Net proceeds
How much cash actually reaches you after fees and payoffs?
FUNDING / COST
Know what the money costs.
Compare cash received, total repayment and payment timing before choosing a funding structure.
THE WHOLE OBLIGATIONStart with cash in.
Start with cash in.
End with cash out.
A quoted rate is one part of the decision. Fees, the payment calendar and the time you hold the money all change the cost.
Compare repayment structures →ILLUSTRATIVE EXAMPLE / NOT AN OFFER
- Advance
- $50,000
- Repayment factor
- 1.30×
- Total scheduled repayment
- $65,000
- Difference before other fees
- $15,000
Assumes no fees deducted from the advance. This is a repayment multiple, not APR. The example does not specify a payment schedule and cannot establish an annualized cost.
01 / CAPITAL, CONSIDERED
Put every term on the table.
Repayment calendar
What is due, how often, and when is the final payment?
Total cost
What do fees, interest and other required charges add up to?
Early payoff
Does paying early reduce the cost, trigger a charge or change nothing?
Security & guarantees
Which assets and people support the obligation?
A slower month
Can the budget carry the payment if collections or revenue slip?
Why can identical factor rates have different annualized costs?
The timing and number of payments determine how long each dollar is outstanding. Fees also change net proceeds. Compare complete payment schedules, not just repayment multiples.
Does the lowest payment mean the lowest cost?
No. A longer repayment period can reduce each payment while increasing the total paid. Evaluate affordability and total cost separately.
02 / CAPITAL, CONSIDERED
Take the assumptions into the tools.
DISTILLED / TOOLS
Cost of capital tools
Understand fees, repayment multiples and the timing of cash flows.
Open the tool directory DISTILLED / TOOLSLoan payment tools
Explore payment, term and total-cost scenarios in the Tools directory.
Open the tool directory DISTILLED / TOOLSReturn on investment tools
Compare a proposed investment with its costs and assumptions.
Open the tool directoryYOUR NEXT MOVE
Make your next move an informed one.
Start with your profile. Understand the tradeoffs. Prepare a clear request.