InstabridgeFunding
Interactive Tool · Contract-Exact Math (Server-Computed)

Funding Cost Calculator

Every number below is computed by the same backend function (loan_engine.compute_payoff) that generates our actual payoff letters. Interest accrues in 6-month tiers, up to a 36-month ceiling.

Inputs
Your Advance Terms
Funding program

Programs served from /api/public/calc/programs. Charged in 6-month intervals, not monthly.

6-month tier rule. Interest is charged at the start of each 6-month tier. Settling in month 1 or month 6 owes the same first-tier amount. This is the contractual minimum obligation.
Ownership amount at settlement
$7,822
Tier 2 · Fee: $2,822 · 1.56× the advance
6-month fee
25.08%
Annualized ROI
56.45%
Contract ownership schedule (6-month tiers)
TierEnds monthOwnership amountFee
Tier 1Month 6$6,253.95$1,253.95
Tier 2Month 12$7,822.37$2,822.37
Tier 3Month 18$9,784.13$4,784.13
Tier 4Month 24$12,237.89$7,237.89
Tier 5Month 30$15,307.02$10,307.02
Tier 6Month 36$19,145.85$14,145.85

Ownership amount at any point in a tier equals the amount at the end of that tier — no partial-month proration. After Tier 6 (month 36) the payoff is fixed.

Want a real number?

See what your actual case qualifies for.

Underwriting is free. No credit check. Decisions typically return within 24 hours of your attorney providing the case file.

Non-recourse always
If your case recovers nothing, you owe nothing.
No monthly payments
Paid once at settlement, out of case proceeds.
36-month ceiling
After tier 6, the ownership amount stops growing.