Calculators

Run the numbers before anyone runs them on you.

Real math, live as you type. Estimates only, not offers, and not financial advice. When the numbers look right, the concierge can point you at 2–3 types.

Loan PaymentDebt ConsolidationBusiness AffordabilityHELOC EquityTrue Cost Translator

Loan Payment Calculator

What a loan really costs per month, and how the balance burns down over time.

$
%
Monthly payment$530
Total interest$6,797
Total paid$31,797
Remaining balancePrincipal paid
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Debt Consolidation Calculator

One fixed payment instead of many. See what consolidating actually saves, with the math.

Your current debt
$
%
$
A consolidation loan
%
New monthly payment$589
Monthly savings$71
Interest saved overall$10,003
Debt-free in48 mo vs 58 mo
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Business Affordability Calculator

Work backwards from what your business can comfortably pay to the loan size that fits.

$
%
%
%
Monthly profit$6,600
Comfortable payment$1,980
Loan size that fits$78,216

Rule of thumb: keeping debt service under a third of profit leaves room for the slow months. Lenders check the same math, they call it debt service coverage.

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HELOC Equity Calculator

How much of your home's value you could actually draw on, at typical lender limits.

$
$
Your total equity$270,000
Available at 85% LTV$198,000
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True Cost Translator

Factor rates and daily debits are designed to make the annual cost unreadable. Enter the offer exactly as it was quoted, we'll solve the real rate. No judgment if you're considering one; you just deserve to see the true price first.

$
×
Effective est. APR* equivalent142.2%The rate that makes your payment stream equal the advance, the number an honest lender prints.
Total repayment$70,000
Cost of capital$20,000
Per business day$556
This is the range where predators live. Above a 50% effective rate, the capital usually costs more than the problem it solves. Read the red flags below before signing anything, and see what a transparent fast lender would offer the same business.

For contrast, example directory profiles (not live partners): SwiftCapital 9.9–29.9% est. APR* · Atlas Working Capital 12.9–32.0% est. APR* , with total repayment printed before you sign.

Educational estimate only, not an offer, a quote, or advice. Real contracts add fees and vary payment timing, which changes the effective rate; the signed paperwork governs.

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Know the red flags: the 60-second predator check
  • Daily or weekly auto-debits. Legitimate loans bill monthly.
  • A “factor rate” instead of an APR. “1.
  • Confession of judgment in the paperwork. You'd be signing away your right to defend yourself in court before anything goes wrong.
Example directory profiles in the fast-funding category (not live partners) state total repayment in the sample config. None use the patterns above. That is sample copy, not a listing requirement.

All results are estimates for education only, based on the figures you enter. Actual rates and terms come from lenders and depend on your full profile. Rates shown as est. APR*.