Capital Tools
Understand the true cost of capital.
Factor rates obscure real costs. Payment frequency changes cash flow impact. Use these tools to see the full picture before committing to any facility.
Tool 1
Factor rate to APR converter.
Factor rates look simple — multiply the amount by the factor and that's what you repay. But the annualized cost can be dramatically higher than it appears, especially on short terms.
Enter your facility details
Adjust any input to see results update instantly.
Why this matters: A 1.35 factor rate on a 12-month term costs far more on an annualized basis than the same factor on a 24-month term. Shorter terms amplify the true rate. Always compare APR, not factor rate, when evaluating facilities.
Tool 2
Payment impact calculator.
Daily, weekly, and monthly payments all affect your operating cash flow differently. See how payment frequency changes the rhythm of money leaving your account — and the total cost.
Model your payment scenario
Choose a frequency and see the cash flow impact side by side.
Monthly Cash Flow Comparison
How to read this: Each bar shows the total monthly outflow under that payment frequency. Daily payments are generally the most expensive per month due to higher payment counts, but they also smooth your cash flow into smaller, predictable debits. Monthly payments are lumpier but create fewer withdrawal events.
Tool 3
Facility comparison tool.
Evaluating two capital options? Enter the details of each and see which one wins on total cost, monthly cash flow impact, and overall flexibility.
Compare two facilities side by side
Fill in both scenarios. The verdict updates as you type.
Facility A
Facility B
Flexibility note: Shorter terms with daily payments rank lower on flexibility because cash is committed sooner with less room to adjust. Longer terms with monthly payments typically offer more operational breathing room — but cost more total. Neither is universally "better." The right choice depends on your cash flow rhythm and business stage.
Tool 4
Retainage cash impact model.
Contract holdback looks small — 5 or 10 percent per billing. Compounded across every active project, it is often the largest single use of a contractor's working capital. Model what retainage actually removes from your operating cash, and what it means in months of profit.
Enter your billing profile
Adjust any input to see results update instantly. The model assumes a steady billing pace; seasonal contractors should use an average month.
Why this matters: "Months until release" runs from when a billing is withheld to when that holdback actually pays — remaining project duration plus the lag after substantial completion, averaged across your book. If your margin roughly equals your retainage rate, the entire profit on a job sits in holdback until closeout. The options for dealing with it — including the two that cost nothing — are on our retainage financing page.
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Rates and payments are only part of the picture. Read our advisory note on how to evaluate working capital cost beyond the rate — covenants, fees, flexibility, and structure.
Numbers only tell part of the story.
These tools model costs and payments. A consultation evaluates your full operating context — revenue cadence, existing obligations, growth trajectory — and matches you with the right structure.