Compare two offers
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| Result | Offer A | Offer B |
|---|---|---|
| Net proceeds (cash you can use) | ||
| Dollar cost of the money | ||
| Cost per $1 of net proceeds | ||
| Each payment | ||
| Schedule |
Prefilled with the hypothetical example below. Copy every figure from the written offers; if an offer leaves a line blank, ask for it before you sign.
Hypothetical example: two offers for $50,000
| Line | Offer A | Offer B |
|---|---|---|
| Gross amount | $50,000 | $50,000 |
| Fees withheld | $1,500 | $0 |
| Net proceeds | $48,500 | $50,000 |
| Total repayment | $62,000 | $61,000 |
| Other costs not already counted | $0 | $500 |
| Dollar cost | $62,000 - $48,500 + $0 = $13,500 | $61,000 - $50,000 + $500 = $11,500 |
| Payments | 40 weekly payments of $1,550 | 120 business-day payments of $508.33 |
All figures are hypothetical and are not Prime Funding Now pricing. Offer B costs $2,000 less and deposits $1,500 more, but its daily payments start sooner and come out more often, so test both schedules against your cash flow.
The two numbers that matter most
Net proceeds tell you how much of the offer you can actually spend on the purchase. Dollar cost tells you what that money costs. Net proceeds = gross amount - withheld fees. Dollar cost = total repayment - net proceeds + any costs not already counted.
Only add a cost once. If a fee is withheld from the deposit, it is already in the cost through the lower net proceeds, so do not enter it again under other costs.
Why the payment schedule is shown separately
A cheaper offer can still be the wrong offer if its payments start before the goods sell or come out more often than your deposits arrive. The tool keeps frequency, payment size and first payment date beside the cost so you can judge both.
To test a schedule week by week against your sales, use the inventory deal cash-flow planner.
Factor rates, interest rates and APR
A factor rate is a multiplier applied to the amount funded, not an annual interest rate, and the two cannot be compared directly. Converting everything to dollars avoids that trap. If you need an annualized figure for a specific product, ask the funder for the disclosures that apply to it and keep that comparison separate.
For more on the structures behind offers, see Prime Funding Now's funding options.
Comparing offers from different companies
The same lines work for any provider. Ask each one for gross amount, withheld fees, total repayment, frequency, number of payments, first payment date and any separate charges. An offer that will not state these in writing is hard to compare and worth questioning.
Prime publishes side-by-side company comparisons on the comparison hub. If you have a purchase with a deadline, you can apply online and compare the result with any offer you already hold.
Frequently asked questions
What counts as a withheld fee?
Any amount deducted before the money reaches your account, such as an origination or processing fee. It lowers your net proceeds. Read the funding agreement's disbursement section to find it.
Should I always pick the offer with the lowest dollar cost?
Not always. Check that the net proceeds cover the purchase and that the payment schedule fits when your goods sell. A slightly costlier offer with payments you can comfortably make may be the safer choice.
Does this tool calculate APR?
No. It compares dollars and shows the schedule separately on purpose. Short-term offers can look very different once annualized, and a factor rate is not an interest rate. Ask the funder for any disclosures that apply.
Are my numbers saved or sent?
No. The comparison runs in your browser, nothing is stored or transmitted, and no contact details are needed.
Does applying with Prime Funding Now obligate me to take an offer?
No. You can apply, review any offer next to ones you already have, and decline. Checking options does not affect your personal credit score.
Want an offer to compare?
Apply online with your purchase details. There is no obligation to accept any offer.
Updated October 17, 2026 · Prime Funding Now Funding Team