Capital advisory tool
Should you take this funding?
See what you gain by taking capital versus what the same money would earn on its own — with the true amortized cost of the product, not just a factor rate.
Configure your scenario
$1.35 repaid per $1 borrowed at this rate.
What will you do with this capital?
Buy inventory at cost, sell at markup. E.g. $50K cost → $75K revenue = 50% ROI.
If you deployed the same capital yourself?
The annual return that same amount of capital would earn on its own — your opportunity cost for taking this product instead.
This capital likely makes sense
At 50% ROI you’d net $7,500 after all costs — clearing the break-even threshold by a meaningful margin.
Without this funding
$0
same capital at your baseline rate over ~11.1 months
With this funding
$7,500
net after full cost of capital
Funded vs. not funded — the real gap
$7,500
you’re better off taking this capital
68%
Real APR. Borrow $50,000, repay $67,500 over ~11.1 months (~338 days). Daily payment: $200/day. This is the true amortized cost — not just a factor rate.
Minimum ROI to break even: you must generate at least this return on $50,000 to cover the full cost of this product. Every point above this is real profit.
35%
WC Advising’s commitment
MCA and RBF are expensive capital — and that’s the honest truth. They exist because banks move too slowly for real opportunities. They make sense only when the return on deployment clearly exceeds the cost. We will never recommend a product that doesn’t pass that test for your situation. If this isn’t the right move, we’ll tell you and find something better.
Every business is different. This calculator gives you a framework — but the right answer depends on your industry, margins, and growth stage. Let’s look at your numbers together.