Slide the amount, term and rate — see the monthly payment, total interest and total repayment instantly. Financing decisions deserve math, not vibes.
Run the Numbers
Drag the sliders and watch the math update live. When a number feels right, the application below turns it into a real offer.
Estimates assume equal monthly amortization and are for planning only. Actual offers vary by program, credit profile and lender — the application below returns your real numbers with no credit impact.
Read the Results
Three lenses that turn a payment estimate into an actual decision.
A healthy rule: total debt payments under 10–15% of monthly revenue. If the slider lands above that, consider a longer term or smaller raise.
The safety checkLonger terms shrink the payment but grow lifetime interest. Match the term to the life of what you’re buying — not just to the smallest payment.
The trade-offThe only question that matters: does the money make more than it costs? Inventory that turns 3× a year can justify costs a passive expense never could.
The real testQuestions, Answered
It’s exact math for a standard amortizing loan at the inputs you chose — the uncertainty is in which rate and term you’ll actually be offered. That depends on your revenue, credit and product; the application below returns your real numbers within a day.
Rough bands: SBA and bank-grade term loans, single digits; mid-market term loans, low-to-mid teens; fast revenue-based capital prices higher in exchange for speed and accessibility. When in doubt, model a range and look at the spread.
Interest accrues on the outstanding balance every month it exists — more months, more accrual. That’s neither good nor bad: a longer term buying you survivable payments is often worth its cost. The bar shows you exactly what you’re trading.
Not always — some working capital programs use fixed total-cost pricing rather than amortizing interest, which can make effective costs differ from an APR intuition. Your specialist translates any offer into total dollars so comparisons stay honest.
Sometimes — better credit tiers, collateral, or product switches (equipment financing instead of a general loan, for instance) all move the rate. That optimization is exactly what shopping 50+ lenders is for.
Still curious? Read the full FAQ or call (877) 283-2321.
Make It Real
The calculator guesses your rate. The application — four minutes, no credit impact — gets you the real one.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Clients who did the math, then did the deal.
Seasonal revenue made banks nervous. BTEC structured repayment around our harvest. Perfect fit.
From $40K working capital to a $250K expansion loan in two years. They grow with you.
My specialist walked me through an SBA loan step by step. Lower rate than I thought possible.
Let's Get You Funded
Four minutes turns your estimate into real offers from 50+ lenders — soft credit check only.
