How our fees work.

BizLender works with many different types of business loans.

What clients say.

The Effective APR on the Interest-Based Funding is much lower than that of the Factor-Based Funding. In many financial products, APR is used to normalize the cost of funds to enable borrowers to analyze and compare separate financing options. Yet, as seen in the graphic above, if given just Loan Amount, APR, Term, and Payment Amount as data points, the APR would mask the actual structure of a loan. The business owner would most likely be cautious of taking the Factor-Based funding even though the cost is almost $6,000 less than the Interest-Based funding. In theory, APR is supposed to let the borrower compare multiple financing options, yet, when all the financing products are not interest-based, APR distorts the actual cost.

Factor vs APR

One of the types of funding we secure is Factor-Based which is a little different than the traditional APR that you may be used to, but Factor-Based financing could actually be beneficial to you. Below are a few examples of how Factor-Based funding compares to traditional APR Financing.

Loan Amount

Effective APR


Funding Term

Payment Schedule


Total Dollar Cost

Total Payback

Payment Amount

Cost Per Dollar

Factor-Based Funding



1.22 | Factor

132 | Days







Interest-Based Funding



18% | Interest Rate








BizLender wants to help you.

Financing can be a scary proposition for a business owner. Every day business owners make challenging decisions, and making the wrong decision can be harmful. BizLender wants to help you understand the cost of funding and navigate your business through the business funding process.

We’re here for you and your business.

BizLender is a leading provider of alternative funding solutions to U.S. businesses. Comprised of a team of experienced professionals that work with integrity and accountability, we value the individuality of each business and promise to put the needs of our customers first.

We had a very good experience. We sent the info that was requested and the money was in our account in a few days.



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