Pricing
Factor rate
Definition
A factor rate is a fixed multiplier applied to the funded amount that determines total repayment — a 1.10 factor on $100,000 means repaying $110,000.
Expressed as a decimal rather than a percentage, a factor rate does not compound and does not grow with time. Multiply the funded amount by the factor and you have your total obligation, fixed at signing.
This is why a factor-rate product can be quoted with complete certainty about total cost, and why it cannot be compared directly against an interest rate without first converting both to total payback or to an annualized figure.
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