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HomeToolsThe Offer Decoder
The Offer Decoder

What does this offer actually cost?

Enter the numbers from the offer in front of you. In 20 seconds you'll see the true annualized cost, the dollars, and any red flags — no signup.

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Quoted as a multiple, e.g. 1.35.
True annualized cost (APR-equivalent)
162.6%

Very expensive — get a second look

Total cost of capital
$33,750
Cost per $1 borrowed
$0.45
Total payback
$106,500
Daily payment
$845
Cash you actually receive
$72,750
Payment burden
$17,750/mo

Red flags detected (2)

  • Effective factor of 1.42 — above 1.40 is the top of the market. Most files can be shopped lower.
  • Daily remittance. Money leaves your account every business day, including slow days — ask whether weekly is available.

What a similar file typically gets through Night Fox

Illustrative only — not a quote. Real terms depend on your credit, revenue and time in business.

This offer
$33,750 · 163%
Illustrative
$22,500 · 55%

Revenue-based advance · 1.28 factor · 12 months · weekly

Results are estimates for comparison only, not an offer of credit or financial advice. Nothing you enter is stored unless you submit a form.

Funding costs

Straight answers on cost.

It converts any offer — factor rate, fee or interest — into one annualized number so you can compare an advance, a loan and factoring side by side. It is an estimate for comparison, not a legal APR disclosure.
The fee is fixed no matter how fast you repay. Paying $35,000 on $100,000 over six months costs roughly twice as much annualized as paying it over twelve.
Broadly 1.15 to 1.49 depending on credit, time in business and existing positions. Above 1.40 is the top of the market and worth shopping.
Yes. A fee deducted from your funding means you receive less cash but repay the same amount, which raises the true cost. The Decoder includes it.
A clause that lets a funder obtain a court judgment against you without a hearing if they claim default. Several states restrict them. Have any contract containing one reviewed before signing.
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Ready when you are

When your bank says no. We find who says yes.

A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.

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