Pricing & Costs — Transparent

How pricing works

The cost of business funding varies by product, amount, term length, and your business profile. All terms are disclosed in writing in your offer before you sign. No surprises.

Working Capital / Revenue-Based Financing

Structured as a factor rate. For example, a factor rate of 1.30 means you repay $1.30 for every $1.00 advanced. A $50,000 advance at factor rate 1.30 = $65,000 total repaid. Typical term: 6-18 months. Equivalent APR typically 30-100% depending on risk profile and term length.

Term Loans

Structured as a traditional interest rate. APR typically 9-25% for qualifying borrowers. Fixed monthly payments, 1-5 year terms.

Lines of Credit

Interest charged only on the amount drawn. APR typically 10-30%. No fee for maintaining the line unused. Pay it down and re-draw as needed.

Equipment Financing

Traditional interest rate. APR typically 8-20%. Equipment serves as collateral. 1-7 year terms matching equipment useful life.

SBA Loans

Lower rates but longer process. APR typically prime + 2-3% (around 11-13% as of May 2026). 5-25 year terms.

Additional fees

Some structures include an origination fee of 1-3% of the funded amount. This is disclosed in your offer. We do not charge an application fee, review fee, or hidden administrative fees.

Why fast funding costs more

Honest answer: speed and accessibility have a price. Bank loans are cheaper because banks underwrite slowly and only approve top-tier credit. We approve in hours and accept FICO 500+. The premium pays for the speed and the broader risk we underwrite.

Total cost — always disclosed

In every offer, you'll see: funded amount, origination fees, total to repay, payment amount, payment frequency, total number of payments. All in exact dollars and cents before you sign.

How to lower your cost over time

• Successful repayment establishes track record. First-round borrowers typically see 20-50% better economics on renewal after demonstrating repayment.
• Improve bank statement health. Higher average daily balance, fewer NSF events, growing deposits all improve underwriting decisions.
• Build personal credit alongside. Higher FICO unlocks better-priced products like SBA loans.
• Use shorter terms when possible. Faster repayment = lower total cost on factor-rate products.

This page is informational. Rates and terms vary by specific product, business profile, and market conditions. Your exact offer is based on complete underwriting of your file. For specific terms for your business, apply to see a personalized offer.