What the numbers are telling you.
- The factor multiplies the gross advance, not the remaining balance.
- Withheld fees reduce cash received.
- No APR is inferred without exact dated cash flows.
ALBUQUERQUE RATE & HOLDING-PERIOD DESK
A multiplier.
A real cash commitment.
Translate factor pricing into repayment dollars.
YOUR DECISION MAP
- 01Set your assumptions
- 02See the trade-offs
- 03Keep, compare or share
34 tools. One connected workspace.
Private lending
Factor-rate repayment cost
Separate a repayment multiplier from interest rates and see the cash cost of fixed scheduled repayments.
YOUR DECISION, IN NUMBERS
METHOD 2026-10-23.3Repayment 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.
Get help with my next step ↗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.
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.
Ask about your next step ↗THE LONG VIEW
Follow the balance.
View the year-by-year numbers +
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.
YOUR NEXT STEP / MITEY U.S.
A number is a start.
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This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.
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