Calculator
Would consolidating your advances cost less?
Compare keeping your current positions with a consolidation offer: total still owed, new total, and weekly cash flow.
Your current advances
$
$
$
$
$
$
The consolidation offer
$
mo
Stay put vs consolidate
- Owed today on current advances—
- Current payments per week—
- New payback—
- New payments per week—
- Cash left after paying off—
Weekly cash-flow changeNegative means more room each week—
Estimates for comparison only, using 21 business days a month and 52 weeks a year. Your contract's disclosures govern. Nothing you enter here is saved or sent.
How this calculator works
Consolidation trades a smaller payment for a bigger total. It's worth it only if the payment relief keeps the business healthy.
Compare 2 numbers side by side: what you still owe on your current advances, and the full payback of the new one. The difference is the price of breathing room. If the new offer also leaves cash after paying off the old positions, count that cash as borrowed money you'll repay at the new factor rate.
Reverse consolidation is different. Instead of paying off your advances, the funder makes your existing payments for you while you pay it back more slowly. Read what to know about consolidation before you sign either.
One application, many funders
Want real offers to run through this?
Apply once. We bring back offers from funders that fit and decode every one: total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.