Free tools that show the real number
Thirteen calculators that put funding and card-processing costs in plain dollars. No sign-up, and nothing you type is saved.
By Business Funders editorial teamUpdated Oct 20, 2026
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Batch Capital and BatchOut are affiliated with Business Funders and appear on this site. We earn money when you get funded or sign up through them. How we make money
- What does this advance really cost?MCA true-cost calculatorTurn a factor rate and fees into total cost in dollars, an estimated APR and every payment. Compare it with a loan.Open the tool
- Which offer is cheapest in dollars?Offer comparerType in 2 to 4 real offers and see total cost, estimated APR and payment side by side.Open the tool
- Am I overpaying to take cards?Processing fee analyzerFind your effective rate from last month's statement and what you may be overpaying each year.Open the tool
- Which products can I likely get?How much can I qualify for?See which products are typically within reach, checked against providers' published minimums.Open the tool
- What will the loan cost each month?Loan payment calculatorMonthly payment, total interest and a full amortization schedule.Open the tool
- What does a draw really cost?Line of credit calculatorTotal cost of a draw with its fee, the monthly payment, and the same amount as a cash advance.Open the tool
- What is the most an SBA loan can charge?SBA loan calculatorThe SBA maximum rate for your amount at today's prime, with the payment and total interest.Open the tool
- What does factoring an invoice cost?Invoice factoring calculatorCash now, the fee in dollars and an estimated APR for one invoice.Open the tool
- Which products do I meet the requirements for?Requirements checkerYour time in business, sales and credit, checked against the same rules as our quiz.Open the tool
- How big is my cash gap?Working capital calculatorYour cash gap in days and dollars, and which products suit a gap that size.Open the tool
- How much can I surcharge?Surcharge calculatorThe most you may add to credit card sales under card rules and your state's law, and what it recovers.Open the tool
- Is flat rate costing me more?Flat rate vs interchange-plusYour monthly card costs on a flat rate and on interchange-plus, side by side in dollars.Open the tool
- What does my terminal lease really cost?Terminal lease calculatorTotal lease cost against buying the terminal outright, and the month the lease passes the price.Open the tool
Every tool runs in your browser. Nothing you type is saved.