Costs first. Contact details last.
Business funding, with the real cost up front.
Compare loans, cash advances and card-processing costs in plain dollars, before you share a single contact detail.
- No credit pull to see options
- Results before contact details
- Never sold
60% of owners who borrowed from online lenders said the real cost was higher than they expected. Federal Reserve, 2026
Advertiser disclosure
Batch Capital and BatchOut are affiliated with Business Funders and appear on this site. We earn money when you get funded or sign up through them. How we make money
What does a cash advance really cost?
Example numbers. Change them to match a quote you have.
Total cost
$18,500
$67,500 back for $49,000 in hand after fees
- Est. APR
- 90%
- Daily payment
- $357
- Bank loan cost
- $2,315
Estimate, not an offer. Bank loan at 10.98% APR over the same time, for owners who qualify. Full calculator
- Costs before contact detailsTotal payback in dollars and an estimated APR on every product.
- Never soldYour request goes only to our own service, never to a partner list.
- A published scoring methodEvery provider is scored the same way, ours included.
The rate sheet
Five most common options, sorted by the low end of their typical estimated APR. Market-wide ranges as of Oct 20, 2026. Not an offer.
- For referenceBank small-business loan6.37% to 10.98%Average in early 2026, for owners who qualify
- Equipment financing4% to 45%Not disclosed
- SBA 7(a) loan10% to 15%Several weeks or longer
- Business line of credit10% to 99%A few days from an online lender; days to weeks from a bank
- Online term loan14% to 99%1 day to several weeks
- Merchant cash advanceNot a loan. Priced by factor rate.40% to 350%past 100%Many companies can fund the same day you apply
Card processing
Most owners only see one number on their statement. Put last month's totals into the fee analyzer and see your real rate next to a fair interchange-plus price, in dollars a month.
One $50 debit card sale
Bank fee on a large-bank debit card, legal maximum$0.245
$0.21 + 0.05% + $0.01
A 2.9% + 30¢ flat rate on the same sale$1.75
Published list price
Sources: Federal Reserve, Regulation II, Stripe pricing. The processor also adds its own markup and network fees on top of the bank fee.
How it works
- 1See the costEvery product shows total payback in dollars and an estimated APR. No contact details needed.
- 2Answer a few questions8 for funding, 5 for card fees, about 2 minutes. Your results show first, matched to your revenue, time in business and need.
- 3Get offers, if you wantSend your request to Batch Capital, our funding service, and its team comes back with offers. Never a partner list.
Why owners start here
The same three things trip up owners again and again. Here is how we handle each one.
Total payback in dollars and an estimated APR, before any contact field.
Watch for: Offers that show only a factor rate or a daily payment, leaving the yearly cost for you to work out.
Your request goes only to our own service. Never sold.
Watch for: Consent boxes that cover a long list of partners, which can mean many calls after you apply.
Results first, then you decide whether to talk.
Watch for: Forms that ask for your phone number before showing you anything.
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