How we calculate rate estimates

A range on your results page is an estimate of where your profile is likely to fall inside a published market range. It is not an offer, a quote, a pre-approval, or a prediction of what any particular lender will charge you. We are not a lender and we do not set these prices.

Actual pricing comes out of a lender's own underwriting, using verified financials we never collect. It is entirely normal for a real offer to land outside the range we showed you.

Products differ enormously in how well their pricing is documented. We label each one by its basis rather than presenting them all with equal authority.

SBA 7(a) is the one product where the ceiling is a matter of law rather than market. SBA caps what a lender may charge as a spread over the prime rate, varying by loan size. So we calculate it:

The prime rate we currently apply is 6.75%, as of 2026-08-25, from Federal Reserve H.15 — Bank prime loan rate (FRED series DPRIME).

The bottom of the SBA range is not published anywhere — it is where strong borrowers are observed to price. That is why this product carries medium rather than high confidence despite its ceiling being exact.

We score five signals, each on a 0–1 scale: credit score, time in business, monthly revenue, existing debt service as a share of revenue, and whether your credit record is clean. Those combine into a single strength score, weighted differently for each product — an MCA funder weights revenue heavily and credit barely at all, while an SBA lender does close to the opposite.

That score positions a window inside the product's full market range. A very strong profile centres near the cheap end, a weak one near the expensive end. The window is deliberately kept wide — never narrower than four percentage points — because a tighter number would imply a precision this method does not have.

Signals we did not ask for score neutrally, never as zero. The anonymous calculator never asks about your existing debt, so it neither rewards nor penalises you for it. That is a large part of why a full funding request produces sharper results.

• Your actual credit report. Everything here is self-reported, and no part of this flow performs a credit pull.
• Your bank statements, deposit consistency, or number of negative days — which is what an MCA underwriter actually reads.
• Your customers' creditworthiness, which drives invoice factoring pricing more than your own profile does.
• Collateral, personal guarantees, and existing banking relationships, all of which can move real pricing substantially.
• Lender-specific appetite, which changes constantly and is not published by anyone.

Each benchmark carries the date it was last reviewed. Anything older than 120 days is automatically flagged as stale on your results page rather than being shown as though it were current. Benchmarks derived from an index value that has not been re-verified against its source are flagged the same way.

We would rather show you a visible warning than a confident number we cannot stand behind.

The same answers always produce the same result. There is no randomness and no model call in this path, which means any estimate we have ever shown can be reproduced exactly from the inputs that produced it. If you think a number was wrong, we can go back and check precisely what you were shown and why.