Merchant cash advance rates, itemizedOur cost. Your risk. A fair fee. That's the price.
Every other quote hides the math in one factor rate. Ours prints it out, line by line, before you sign anything.
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Three quick answers estimate your grade. Your grade is the only line that changes.
Steady deposits and no open advances. Your risk cost is 8%.
Four lines. Only one depends on you.
A pharmacy that prices cost-plus shows you what the drug costs them and what they add. We do the same with capital.
Most of what you pay never reaches the money.
Buys money, marks it up.
Shops your file, takes points.
Works for the broker. Another cut.
Sold your number to all of them.
Four lines, named, before you sign.
A published grade. Not a sales pitch.
Every business gets a letter. You see it, you see why, and you see what would move it.
| Grade | What it means | Risk cost | Total cost | |
|---|---|---|---|---|
| A | Strong and steady | 5% | 23% | |
| B | Solid, a few bumps | 8% | 26% | |
| C | Fundable, more risk | 12% | 30% | |
| D | Not funded. We tell you exactly why, and what would change it. | n/a | n/a |
Priced like a pharmacy should beNot just yes or no. Why.
Sage shows what we saw in your file, what set your grade, and what would move it up. If a fix to your business helps more than capital, it says so first.
Plain answers about rates.
What are typical merchant cash advance rates?
Usually one factor rate with the math hidden. We show the same cost in parts: cost of capital, your risk by grade, a platform fee and a marketing fee. [Final rate table pending confirmation.]
What is a factor rate?
The multiplier that sets what you pay back. A 1.26 factor on $100,000 means $126,000 paid back. We show what's inside that number.
Is a merchant cash advance a loan?
No. It's a purchase of a portion of your future receivables.
What does my grade mean?
A letter from A to D. It sets your risk cost, the only line that changes between businesses. D isn't funded, and we tell you why.
Do you shop my file to other funders?
No. We fund directly. Your file isn't sent around to brokers.
Does checking my quote affect my credit?
[Pending confirmation of soft or hard pull.]
See your price before anyone sells you on it.
Type an amount. The receipt prints. Lock it in when it looks right.
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