Factor is the total cost. Term is the size of the payment. They are different levers.

An advance is quoted with a factor: a multiplier that sets the total payback on day one. Advance times factor equals payback. That number never grows and never compounds. It is a fixed dollar cost, and the honest way to talk about it is in dollars.

Two levers, two different problems

The factor controls the total cost. The term controls the size of each payment. The same payback spread over more payments is a smaller daily hit at an identical total cost. That distinction matters because owners routinely misdiagnose their own objection.

"That is too expensive" is a cost objection: you are weighing total dollars. "That payment scares me" is a payment-size objection: the fix is term, not price.

Reading an offer in dollars

• Dollars in: the funded amount that actually lands in your account, after any disclosed closing costs
• Dollars out: the total payback, which is advance times factor
• Time in between: the term, which sets the daily or weekly payment
• The early-payoff schedule: what drops off if you finish ahead of term

Put those four next to each other and any offer, ours or anyone else's, becomes comparable. That is exactly what our offer reader does, with your numbers, in your browser, without sending anything anywhere.

Why the factor is a ceiling, not a price

Many offers carry an early-payoff discount. Finish early and part of the unearned cost drops off, per the schedule in your agreement. The factor is the worst case. This is what makes a tight-margin business, construction above all, work: fund the job, collect the draw, finish early, pay less.