New Reign Lending Solutions

Deal structure

Amount offer estimate

Put the amount in focus.

Choose a funding mode, enter the deal details you know, and use the estimate to frame a more productive funding conversation.

01Your Deal Profile+

The estimate uses only the information you enter here and the selected mode. More complete inputs make the illustration easier to interpret; they do not guarantee an approval or an offer.

Good

Annual revenue estimate: $300,000

Documentation

02Advanced Options+

Use these controls to make the illustration closer to your situation. Defaults are active even when this section stays closed.

x
%

Mode A

Sales-Based Financing

Model a factor-rate structure where the total payback is set by the amount funded and factor rate.

Amount funded

$75,000

Estimated cost

$26,250

Estimated total repayment

$101,250

Estimated deal view

Total payback amount
$101,250
Payment per period (monthly)
$8,438
Dollar cost of capital
$26,250
Cost of capital (% of amount funded)
35.0%

These figures are estimates for illustration only. Actual rates, factor rates, fees, terms, and payments are set by the lender or funding partner and may differ. This is not an offer, a quote, or a guarantee of funding.

03 / Transparent estimate

Funding readiness.

A browser-only estimate generated from the information you entered. It is not live AI analysis, web research, or a promise of what a lender will offer.

—

Complete your profile

Enter the profile details to see a transparent estimate.

What is driving the score?

The model totals 100 points. Each factor shows its contribution so you can see what the estimate means.

  • Credit score (25 pts)——
  • Time in business (15 pts)——
  • Revenue and deposits (15 pts)——
  • Debt and positions (10 pts)——
  • Collateral (8 pts)——
  • Request vs. revenue (12 pts)——
  • Use and industry (10 pts)——
  • Documentation and timing (5 pts)——

Profile signals

Strongest factor

—

Weakest factor

—

Estimated ranges

Funding range
—
Estimated rate range
—
Estimated term range
—

This is an estimate for illustration only, generated from the information you entered and typical funding criteria. It is not an offer, a quote, an approval, or a guarantee of funding. Final amounts, rates, fees and terms are determined by the lender or funding partner after review.

Read the estimate

How to read your results.

  • Factor rate vs. interest: A sales-based financing factor rate is multiplied by the amount funded to estimate total payback. It is a different structure from interest-based amortization.
  • Why payback is higher: Total repayment includes the cost of using capital, so it normally exceeds the amount funded.
  • LTV: Loan-to-value compares the estimated loan with property value. A 75% LTV implies a 25% down payment before other closing costs or project expenses.
  • DSCR: Debt-service coverage ratio compares rent or NOI after listed expenses with debt service. A result below 1.00x means the entered operating income does not cover the estimated payment; thresholds vary.
  • How the estimate is produced: The browser model applies transparent benchmark bands to revenue, deposits, credit, time in business, debt, positions, request size, collateral, use, and documentation. It does not inspect the web, other clients, or a lender’s live systems.
  • Readiness score: The browser totals weighted inputs: credit 25%, time in business 15%, revenue and deposits 15%, debt and positions 10%, collateral 8%, request versus revenue 12%, use and industry 10%, and documentation/timing 5%. It is a transparent estimate, not a lender decision.

When the next move is clear

Have the estimate reviewed.

Bring the estimate to a specialist who can account for your documents, goals, timing, and actual program fit.

Apply Now Book A Call Call Us Now