Select A Financing Program
Choose the financing structure you want to model. The calculator automatically displays the relevant amount, term, rate, and payment inputs.
Fast, Revenue-Based Funding
GoKapital Loan Calculators
Selected CalculatorMerchant Cash Advance
Estimate fixed daily and weekly payments before deciding how much short-term working capital may fit your business cash flow.
Amount Range
$20K–$5M
Term Range
4–24 Months
Pricing
1.20–1.50 Factor
✓
Use the calculator without submitting personal information or checking credit.
$20,000
$5,000,000
4 Months
24 Months
1.20
1.50
Estimated Daily Payment
$135.88
Weekly Payment
$679.41
Assumes 20 business days per month.
Total Payback
$46,200
Financing Costs
$11,200
How To Use The Calculator
Move From A Quick Estimate To A Clearer Financing Conversation.
Compare estimated business financing payments and costs across six structures. Adjust the assumptions, review the tradeoffs, and use the results to prepare questions before exploring actual terms.
Adjust The Assumptions
Change the amount, repayment period, interest rate, or factor rate to compare different planning scenarios.
Review The Estimate
Consider the estimated payment schedule and financing costs, then review actual program terms and final agreements before proceeding.
Calculator Benefits
Why Use A Business Financing Calculator?
Financing can affect cash flow long before it produces a return. Modeling several scenarios can make the tradeoffs easier to understand.
Compare Payment Scenarios
See how different assumptions may change estimated payments.
Plan Around Cash Flow
Review daily, weekly, or monthly estimates alongside operating expenses.
Understand Estimated Costs
Model total repayment, interest, or factor-rate financing costs.
Prepare Better Questions
Bring a clearer target amount and payment range to a financing advisor.
GoKapital Financing Programs
Understand The Terms Of Your Financing
Each program uses a different cost model, payment schedule, and underwriting approach. Review the characteristics and potential benefits before choosing what to calculate.
Merchant Cash Advance
Receive an upfront purchase amount in exchange for an agreed share of future business receivables. This short-term structure is often explored for working-capital needs.
Program CharacteristicsLoan Range$20K–$5M
Term4–24 Months
Cost Of Capital1.20–1.50
PaymentsDaily & Weekly
Business Line Of Credit
A revolving financing option may let a business draw funds as needed, repay the balance, and reuse available credit subject to the final agreement.
Program CharacteristicsLoan Range$10K–$350K
Term12–36 Months
Cost Of Capital15%–30%
PaymentsWeekly Or Monthly
Hard Money Loan
Property-secured financing is often explored by real estate investors for acquisitions, renovations, bridge needs, or cash-out refinancing.
Program CharacteristicsLoan Range$100K–$5M
Term1–5 Years
Cost Of Capital7%–14%
PaymentsMonthly Interest-Only
SBA 7(a) Loan
Use the SBA 7(a) loan calculator to model eligible working capital, equipment, acquisition, refinancing, or expansion financing through a participating lender.
Program CharacteristicsLoan Range$100K–$5M
Term5–25 Years
Cost Of Capital7%–12.5%
PaymentsMonthly Amortized
Commercial Mortgage
Financing may be used to purchase, refinance, or access equity in eligible commercial and investment real estate.
Program CharacteristicsLoan Range$100K–$5M
Term5–30 Years
Cost Of Capital7%–14%
PaymentsMonthly Amortized
Equipment Finance
Equipment financing can help a business purchase new or used equipment while preserving cash for operations. The equipment may serve as collateral.
Program CharacteristicsLoan Range$20K–$1M
Term12–60 Months
Cost Of Capital6%–35%
PaymentsMonthly Amortized
Prepare Your Request
What GoKapital May Review.
Documentation depends on the financing structure and requested amount. A complete, current file can help an advisor understand the business and identify possible next steps.
Review Qualification Criteria →Business Profile
Entity, ownership, time in business, industry, and intended use of funds.
Revenue And Cash Flow
Average deposits, existing obligations, and recent business bank activity.
Credit And Collateral
Requirements vary by program, overall profile, and any property or equipment involved.
Supporting Documents
Bank statements, identification, tax returns, or financial statements as needed.
Business Loan Calculator FAQ
Questions Before You Explore Financing.
Use the calculator as a planning tool, then review actual terms, disclosures, and agreements carefully.
Do Calculator Estimates Guarantee Approval Or Final Terms?
No. Results are educational estimates based on the values entered. Financing remains subject to application, verification, underwriting, approval, program availability, and final agreements.
Will Using The Calculator Affect My Credit Score?
No. The calculator does not request a credit report. A formal application is a separate process and may involve a credit inquiry depending on the program.
What Is The Difference Between A Factor Rate And An Interest Rate?
A factor rate multiplies the original advance amount to estimate total payback. An interest rate is generally applied to an outstanding balance over time. A factor rate should not be compared directly with an APR.
Does The Line Of Credit Calculator Use The Full Credit Limit?
No. It models the amount drawn. Actual lines of credit may include variable rates, draw fees, maintenance fees, or other costs not included in the estimate.
Which Costs Are Not Included In The Estimate?
Depending on the program, excluded costs may include origination or processing fees, appraisal and closing costs, taxes, insurance, SBA-related fees, draw fees, and other charges.
Which Financing Program May Fit My Business?
The answer depends on the use of funds, desired payment schedule, revenue, time in business, credit profile, collateral, and urgency. A GoKapital advisor can discuss options that may be available but cannot guarantee approval.
Financing Inquiry
Tell Us About Your Financing Request
Complete this short form so a GoKapital advisor can follow up about the financing programs that interest you.
Submitting this inquiry does not guarantee approval, terms, or availability. A full application and supporting information may be required.
Calculator results are estimates for educational and planning purposes only. They do not constitute an offer, approval, commitment, or disclosure of final financing terms. Actual rates, factor rates, fees, amounts, terms, payment schedules, and funding timelines vary by program and applicant. All financing is subject to application, verification, underwriting, approval, program availability, and final agreements. Review all final disclosures and agreements before accepting financing.