You’re already paying for capital. Let’s work out what it’s costing you.
Owners usually know what they’re paying each week. Far fewer know what they’re paying each year, because advance pricing is designed so that number never appears anywhere.
| What you get | How long | What we need | What it costs |
|---|---|---|---|
| The true annualized cost of every facility you hold, and a restructuring option if one exists. | 2 to 4 business days | Bank statements plus any funding agreements you can find | Nothing |
The math nobody shows you
Advances are priced with a factor rate, not an interest rate, and the two aren’t comparable. A $100,000 advance at a 1.35 factor means $135,000 repaid, and that total never moves.
Two consequences follow, and both matter:
- Paying early saves you nothing. On a loan, early repayment saves interest. Here the total was fixed at signing, so paying faster only shortens the term.
- The annualized cost is far higher than the factor implies. You’re repaying a shrinking balance against a total that never shrinks. Spread that $35,000 over eight months of daily remittances and the annualized cost typically lands well north of 70%. The exact figure depends on the schedule, which is why we run it on your actual agreement instead of quoting a headline.
Never compare a factor rate to an APR. They don’t measure the same thing, and the comparison always flatters the advance.
What goes wrong
An advance isn’t a loan. A funder buys a fixed dollar amount of your future receipts at a discount and takes a share of deposits daily or weekly until it has them. It’s fast, it approves on deposits rather than credit, and for a genuinely urgent need it can be the right call.
It goes wrong in two specific ways. The first is that the remittance doesn’t flex with a bad week: the debit is the same on a slow Tuesday as on a busy Friday. The second is stacking, where a second advance is taken to service the first, then a third. By the third, the daily total is taking the operating margin that was supposed to recover the business.
What consolidation actually does
It replaces several daily or weekly remittances with one scheduled payment on a longer term. The monthly outlay usually drops sharply, which is the point: it buys back the working capital that the debits were consuming.
What it doesn’t do is make the debt disappear. Depending on the file, the total repaid can be similar or higher, and the gain is cash flow and survivability rather than a lower total. We’ll show you both numbers before you decide, because a consolidation sold on the monthly payment alone is how people end up worse off.
Where we stand on this
No credit pull to start. $0 to apply. Minutes, not forms.
Questions we get on this one
Will this lower what I pay each month?
I have three advances running. Is it too late?
Will my funder allow it?
Can you just get me another advance instead?
What do you need from me?
Send the statements. We’ll run the numbers.
Three to six months, all pages. No credit pull, nothing to pay, no obligation at the end.