Free tool

Offer X-Ray: see what an offer really costs

Already have an offer, from us or anyone else? Enter its numbers and see the real APR, the total cost and the warning signs. Compare up to three side by side.

Enter the numbers from each offer

You'll find them on the offer or contract. The guide below shows where.

Your average monthly revenue (optional)$Used only to show how much of your revenue the payments would take.

Offer A

Funding amount$Called the purchase price on an MCA.Fees taken out$Origination, underwriting, UCC and similar.Total payback$Called the purchased amount or RTR on an MCA.Each payment$

Payment frequency

Estimated APR

146.5%

You actually receive: $48,500
Total cost: $19,000
Cost per $1 received: $0.39
Factor rate: 1.35
Paid off in about: 5.7 months
Payments per month: $11,813

Triple-digit APR (about 146%).
Payments take 20% of your monthly revenue.

Want a second opinion on a real offer?

Send it to a specialist. We'll tell you if it's fair for your business and whether a lower-cost option is likely available. No obligation.

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Funding offers come from our network of independent lenders and funding providers. Each one sets its own amount, rate, terms and timing after reviewing your business (bank statements, revenue, time in business, credit and more), and approval isn't guaranteed.

Estimates assume equal fixed payments (252 business days per year for daily). Sales-based remittances vary, which changes the actual term and APR. Nothing you enter leaves your browser. Read: factor rate vs. APR

Where to find each number in your offer

Funding amount: On a merchant cash advance contract this is the purchase price: what the funder pays for your future receivables, before fees.
Fees taken out: Origination, underwriting, UCC filing or similar fees subtracted before the money reaches your account. They change what you actually receive.
Total payback: The purchased amount, also called RTR (right to receive): everything you will hand back.
Each payment: The fixed daily or weekly debit. If yours is a percentage of sales, use your typical debit over the last few weeks.

Frequently asked questions

Why does the APR look so much higher than the factor rate?

A factor rate is charged once on the whole amount, but you start paying it back right away and over a short term. APR spreads the cost over a year and accounts for that, which is why a 1.35 factor rate over six months can mean an APR well above 100%.

Is a high APR always a bad deal?

Not always. Fast, short-term funding costs more, and for a short-lived opportunity that can still make sense. The X-Ray shows the real cost so you can decide with the full picture and compare it with alternatives.

Do you store the numbers I enter?

No. The X-Ray runs entirely in your browser and nothing you type is sent to us. If you want a specialist to review an offer, you choose to send it.

Can I check an offer from another company?

Yes. That's what it's for. Enter the numbers from any offer, from any funder or bank, and compare up to three side by side.

See what your business qualifies for

One short application, no impact on your credit to review options, and a dedicated specialist who compares offers from our lender network for you.

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