Upload or describe your Wayflyer, Shopify Capital, Parafin, Clearco or any MCA offer. We'll reveal the true APR and generate a full cash flow schedule.
MCAs quote flat fees and factor rates because the real APR is 60–120%. Upload or describe your offer below — we'll read it with the 8x AI CFO, solve for the true annualized cost, and hand you a branded PDF and cash flow schedule.
PDF, PNG, JPG, or Word doc. Max 10MB.
Supports Wayflyer, Shopify Capital, Parafin, Clearco, Kickfurther, 8fig, and any other MCA or cash advance offer.
Write it however you heard it. Include the amount, the payback or factor rate, and the term.
The 8x AI CFO is reading your offer.
Try a clearer screenshot or a PDF of the offer document.
True Annual Percentage Rate
Your offer's factor rate hides this number.
Confidence: —.
A branded PDF report with your APR analysis and full day-by-day repayment schedule. Or grab the raw data as CSV.
| # | Date | Payment | Principal | Balance |
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—% APR can be a great deal — or a fatal one. It depends on where you deploy it.
Put it into inventory at 4× turn and 60%+ gross margin? You'll triple the cost in 90 days.
Spend it on ads with a 6-month CAC payback? You'll bleed out before the first payment clears.
The factor rate tells you nothing about whether you should take the money. Your gross margin, cash conversion cycle, and CAC payback do.
Free, no pitch. We'll tell you straight whether to take it, counter, or pass.