For years, brokers and “funding specialists” have thrived on keeping business owners in the dark. They toss around factor rates, holdbacks, and payback terms—but somehow never mention the one number that actually matters: your APR.
That ends now.
The new APR Calculator from brokerfreecapital.ai lets you see the real annualized cost of your business financing—whether it’s a revenue-based loan or a merchant cash advance (MCA).
No jargon. No sales pitch. Just truth, in numbers you already understand.
⚙️ How It Works
Most business funding calculators assume everything is a neat little fixed-term, fixed-payment loan. Ours doesn’t.
The brokerfreecapital.ai APR Calculator handles both revenue-based loans and MCAs—because those are the products where the true cost of capital usually gets buried under creative marketing and broker double-speak.
You’ll just need a few key pieces of information—whichever apply to your funding type:
🧾 For Revenue-Based Loans
Provide:
- Funding amount (how much capital you actually received)
- Rate factor or total repayment (for example, 1.35 or “$13,500 total payback”)
- Payment frequency (daily, weekly, or monthly)
- Payment amount (your fixed periodic payment amount)
- Estimated term or payoff length
- Origination Fee (if any)
The calculator annualizes your total cost of funds based on payment cadence and payoff period—revealing your true APR, not the “representative example” your broker handpicked to make the deal sound reasonable.
💳 For Merchant Cash Advances (Sales-Based Financing)
Provide:
- Advance amount (the lump sum you received)
- Purchased receivables or total payback amount
- Holdback percentage (the percentage of your daily sales being collected)
- Average monthly sales volume
- Origination Fee (if any)
The calculator models your payback schedule based on your sales flow and shows what that “1.38 factor” or “15% holdback” really costs when expressed as an annualized rate.
🚀 Try It Yourself
We built the calculator right into this page—no downloads, no lead capture, no upsells. Just raw math.
Enter your funding details below and see what your “great offer” actually costs when translated into the same APR used for credit cards, car loans, and mortgages.
🧭 Why APR Is the Great Equalizer
There’s a reason APR disclosure is required in almost every form of consumer finance—from credit cards to car notes to mortgages. It’s not because people love math. It’s because it’s the only way to make fair comparisons.
Small business owners deserve that same clarity.
By converting your funding offers into an APR, you can finally compare apples to apples across different products:
- A merchant cash advance versus a revenue-based loan
- A fintech short-term loan versus a traditional line of credit
- Even against a bank or SBA loan—the gold standard for low-cost capital
When you can see your cost of capital in one universal metric, the fog lifts. You don’t need a broker’s “expertise” to tell you which deal is better. You can make the call yourself—in seconds.
💡 Why It Matters
The business funding market is intentionally opaque. Brokers profit from confusion.
By hiding true costs behind factor rates, daily payments, and vague promises of “flexible repayment,” they make it impossible for most business owners to know whether they’re getting a fair deal—or being bled dry.
This calculator won’t change the industry overnight.
But it does something the industry refuses to: show the truth in plain English (and plain numbers).
🔦 A Step Toward True Transparency
This isn’t just about one tool. It’s about a philosophy.
At brokerfreecapital.ai, we’re building an ecosystem designed to bring clarity to one of the murkiest corners of finance.
Between:
- Diogenes—our AI funding advisor who tells you the truth even when it’s inconvenient,
- the most transparent blog in the industry, and
- tools like the APR Calculator,
we’re helping business owners see through the noise, sidestep the brokers, and make decisions based on data, not desperation.
Try Diogenes directly — then come back here to run your numbers.
The math doesn’t lie. Neither do we.
✅ TL;DR
Business funding transparency shouldn’t be revolutionary.
But here we are.
Use the APR Calculator — and finally see what your money’s really costing you.