Broker Everything · Broker Toolkit

The broker's command center

Every MCA tool you need,
&
nothing you don't.

Deal math, statement underwriting, and compliance checks. All the tools brokers keep scattered across a dozen tabs, finally in one clean place.

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Instant deal math

Factor rate, payment, payback and a TILA-style APR the moment you type, no spreadsheet required.

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Underwriting, faster

Read statements for deposits, NSFs, true revenue and existing positions before you ever submit a deal.

✅

Built to stay compliant

Clean APR conversions and state disclosure references so every offer holds up under scrutiny.

A growing toolkit with new tools shipping every few weeks. See what's inside

Pick a tool from the sidebar to get started.

Statement Watermark

Stamp bank statements with your name before you submit. Up to 3 PDFs, 1 MB each.

Watermark text

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Drop up to 3 PDF statements here
or click to choose — max 1 MB each

Bank Statement Parser

Deposits, NSFs, average balance, true revenue and existing positions — pulled from the statements by AI

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Drop up to 3 statement PDFs here
or click to choose — max 10 MB each

Reading your statements…

Uploading files

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Deposits vs. true revenue

Monthly gross deposits against revenue net of transfers & fundings

Total deposits True revenue

Debt load

Est. monthly MCA debits vs. true revenue

Existing positions

Month by month

Risk & fraud signals

MCA Deal Calculator

Advance, factor rate and term into payment, payback, cost and estimated APR

Advance amount

Factor rate (e.g. 1.30)

Term (follows payment frequency)

days

Payment frequency

Commission (broker points, optional)

Funding date (optional — for renewal estimate)

Payment

per business day

Total payback (RTR)$0

Number of payments0

Cost of capital$0

Cents on the dollarn/a

Broker commission$0

Est. renewal date (50% paid in)n/a

Estimated APRn/a

Factor Rate to APR Converter

Translate a factor rate and term into an annualized percentage rate

Factor rate (e.g. 1.40)

Term (follows payment frequency)

days

Payment frequency

Origination / fees (% of advance, optional)

Estimated APR

n/a

Total payback per $10,000$0

Cost per $10,000$0

Est. payments0

Effective simple raten/a

Renewal Calculator

Net funding to the merchant after paying off the existing position

New funding amount

Factor rate (e.g. 1.35)

Existing balance (current payoff / remaining RTR)

Fees (origination, PSF, etc.)

Term (follows payment frequency)

days

Payment frequency

Estimated net to merchant

funding − payoff − fees

New total payback (RTR)$0

Payoff of existing position$0

Fees$0

Number of payments0

Cost of capital$0

Net as % of fundingn/a

Payment (per business day)$0

Early Payoff Discount Calculator

What a merchant owes to settle early, once the funder's discount is applied

Original advance amount

Factor rate (e.g. 1.40)

Remaining balance owed (current RTR remaining)

Early payoff discount

Discount applies to

Early payoff amount

to settle the balance today

Remaining balance owed$0

Remaining principal$0

Remaining interest$0

Discount (merchant saves)$0

Total repaid if settled now$0

Effective factor raten/a

Cents on the dollarn/a

Debt Schedule Converter

Enter your client's open positions and export a clean, funder-ready PDF debt schedule

Merchant / business name

Prepared by (optional)

Funder	Original $	Current balance $	Payment $	Frequency

No positions yet. Add your client's first position below.

Schedule preview

#	Funder	Original	Current balance	Payment	Frequency	Est. daily	Est. maturity

Positions

Total original (gross)

Current balance

Paid down

Est. daily debit

Est. weekly debit

Est. monthly debit

Est. debt-free

n/a

State Disclosures

States that require a commercial-financing / MCA disclosure at funding

A growing number of states require sales-based financing (MCA) providers to hand the merchant a standardized cost disclosure at or before funding. California and New York go furthest, and both require an estimated APR. The others generally require the total cost, finance charge, and/or provider or broker registration. Highlighted rows require an APR-style figure.

State	Effective	APR req.	Registration	What it requires

Watch list, laws proposed or advancing: New Jersey, Illinois, Maryland, North Carolina, Michigan, and Pennsylvania.

Reference only, not legal advice. Effective dates, dollar thresholds, and exemptions change often, and several statutes exempt transactions above a cap (frequently $500K) or certain provider types. Confirm current requirements with counsel or the state regulator before relying on this.

SOS Business Check

Official Secretary of State business-entity search for all 50 states + DC

Business name (optional — copied to your clipboard when you open a state)

Find a state

Each link opens that state's official Secretary of State (or equivalent) business-entity search in a new tab. A few states route through a comptroller or business-services portal instead of the SOS. Records, filters, and availability are controlled by each state; verify entity status, good standing, and registered agent directly on the official site.

Personal Financial Statement

Complete a standard PFS for a merchant or guarantor — assets, liabilities and net worth total live

CONFIDENTIAL

Statement Date

Personal Information

Name

SSN

Address

Birthdate

City, State Zip

Dependents

Home Telephone

Business Telephone

Section I — Assets, Liabilities & Net Worth

Assets

Liabilities

Net Worth (Total Assets − Total Liabilities)$0

Annual Income & Expenses

Annual Income

Estimate of Annual Expenses

General Information & Contingent Liabilities

General Information

Contingent Liabilities

Section II — Supporting Schedules

Data stays in your browser — nothing is uploaded or saved. This template is for collecting a borrower/guarantor's self-reported financial condition and is not a credit decision, appraisal, or verified statement. Confirm figures against supporting documentation before relying on them.

OnDeck Calculator

Retention pricing · OD Line of Credit · OD Term Loan

Inputs

Enter the current buy rate and choose the renewal term.

Selected Term (months)

Original Buy Rate (factor, e.g. 1.362)

Original Sell Rate

Original Spread

Min Buy Rate (this term)

Reference pricing table (advanced)

Term	8 pt Spread	5 pt Spread	Min Buy Rate

Edit these to change the spread reductions and eligibility floor.

Retention scenarios

Two spread structures. "Eligible" = the updated buy rate stays above the term's min buy rate.

8 pt Spread Reduce buy · 8pt

Updated Buy Rate

Updated Sell Rate

Updated Spread

5 pt Spread Reduce buy · 5pt

Updated Buy Rate

Updated Sell Rate

Updated Spread

Inputs

APR-based line of credit with declining-balance amortization.

Draw Amount

APR

Whole-number percent, e.g. 43 = 43%, 66.1 = 66.1%.

Draw Fee % (not applied — mirrors sheet)

Payment Frequency

Term Length (months)

Results

Monthly Payment

Total Payback

Total Interest Cost

Number of Payments

Periodic Rate

Simple Interest

Amortization Schedule

#	Beginning Principal	Recurring Payment	Interest	Principal	Remaining Principal	Total Cost of Capital	Simple Interest (cum.)

Inputs

Factor-rate ("cents on the dollar") term loan.

Loan Amount

Cents on the Dollar

Draw Fee % (not applied — mirrors sheet)

Payment Frequency

Term Length (months)

Results

Weekly Payment

Total Payback

Total Interest Cost

Number of Payments

Periodic Rate (payment ÷ amount)

Simple Interest

Amortization Schedule

Payment-by-payment breakdown using the implied periodic rate derived from the total repayment (Excel RATE). Includes the 25% early-payoff interest discount.

#	Start Balance	Payment	Interest	Principal	End Balance	Cum. Interest	Cum. Principal	% Int Paid	% Prin Paid	Rem. Interest	Rem. Principal	25% Discount

For illustrative purposes only. Actual payment is subject to approval, funding date and monthly payment date. User-triggered fees (e.g. late fees) are not reflected. If a loan is paid back early, the remaining principal is still owed; remaining interest may be discounted 25% or forgiven depending on the loan product. Rebuilt from the "OD calc" workbook — figures verified against the source sheet.

Simple, transparent pricing

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All plans include unlimited use of the free tools. Prices are placeholders while we finalize launch pricing. Cancel anytime.

Every MCA tool you need,&nothing you don't.

Instant deal math

Underwriting, faster

Built to stay compliant

Statement Watermark

Bank Statement Parser

Deposits vs. true revenue

Debt load

Existing positions

Month by month

Risk & fraud signals

MCA Deal Calculator

Factor Rate to APR Converter

Renewal Calculator

Early Payoff Discount Calculator

Debt Schedule Converter

State Disclosures

SOS Business Check

Personal Financial Statement

OnDeck Calculator

Inputs

Retention scenarios

8 pt Spread Reduce buy · 8pt

5 pt Spread Reduce buy · 5pt

Inputs

Results

Amortization Schedule

Inputs

Results

Amortization Schedule

Simple, transparent pricing

Every MCA tool you need,
&
nothing you don't.