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The Truth Vault

Rate Reality Calculator

A 1.35 factor rate sounds innocent. See what it really costs.

Convert factor rates to true APR. Calculate total cost of capital. See the math they hope you never run.


e.g. 1.25, 1.35, 1.48
Total calendar days to repay
Used to calculate daily payment
Total Payback
Total Cost of Capital
True APR
Daily Payment
Weekly Cost
Monthly Cost
How This Compares to Other Products
ProductTypical APRTypical TermYour Rate vs This

See what you actually qualify for — at honest rates. Or talk to Bill directly.

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