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AUSTIN RATE & HOLDING-PERIOD DESK

A multiplier.
A real cash commitment.

Translate factor pricing into repayment dollars.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

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Private lending

Factor-rate repayment cost

Separate a repayment multiplier from interest rates and see the cash cost of fixed scheduled repayments.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Repayment premium plus fees$32,000
Each scheduled payment$2,500
Net cash received$98,000
Total scheduled repayments$130,000
Whole-period cost / net advance32.65%

A factor is not interest or APR. Exact payment timing is absent, so no annualization is calculated. Does not assume early payment reduces the contractual repayment amount.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Factor-rate repayment cost · Austin

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A SMALL CHANGE / A DIFFERENT VIEW

Factor five hundredths higher

Repayment premium plus fees

Current scenario$32,000
Changed assumption$37,000

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. The factor multiplies the gross advance, not the remaining balance.
  2. Withheld fees reduce cash received.
  3. No APR is inferred without exact dated cash flows.
A GOOD QUESTION

Is a 1.30 factor a 30% annual interest rate?

No. It means scheduled repayments equal 1.30 times the gross advance in this scenario. Timing, fees and declining balances materially affect annualized cost.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Gross advance × factor gives scheduled repayments. Add withheld fees to the repayment premium; divide repayments by entered number of payments.

Before acting on the result

A factor is not interest or APR. Exact payment timing is absent, so no annualization is calculated. Does not assume early payment reduces the contractual repayment amount.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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