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Loan Parameters
Repayment Term
18 months
Fixed product term
Estimated Results
Loan Summary
Total Repayment Amount
$128,000.00
= $100,000 × 1.28 factor rate
Payment Schedule Detail
Payments 1–17
$7,111.11
Last Payment (#18)
$7,111.13
Educational projection only. Actual terms depend on business revenue, credit history, and independent provider underwriting criteria.
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Frequently Asked Questions
The total repayment equals the loan amount multiplied by the factor rate. For example, a $100,000 loan with a 1.28 factor rate results in $128,000 total repayment, divided into 18 equal monthly installments — with the final payment adjusted for any rounding difference.
Factor rates for term-style business loans typically range from 1.18 to 1.38, reflecting the lender's assessment of business risk, revenue, and credit history. A factor of 1.28 on a $100,000 loan means total repayment of $128,000 — a financing cost of $28,000 spread over 18 months.
No. This calculator provides educational projections only. Actual loan terms — including amounts, factor rates, and repayment schedules — depend on your business's financial profile and the independent financing provider's underwriting criteria.
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