Pricing
Total payback
Definition
Total payback is the sum of every dollar you repay across the full term, and it is the only figure that compares funding offers fairly across different pricing units.
Divide total dollars out by the net dollars that actually landed in your account — after anything withheld at funding — and you have a ratio that is comparable across every product and every funder.
A $100,000 approval with $3,000 withheld and $110,000 repaid is not a 1.10 facility. It is a $97,000 facility repaying $110,000, a true multiplier of about 1.134.
Express Capital Funding · Direct lender
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