Rates & fees

The whole rate table, published. Nothing is "call for pricing."

Where your file lands in this grid is where your rate lands. Underwriting sets your exact APR within your band, never above it. Every figure on this page is illustrative: this is a design sample, not an offer of credit.

APR ranges by profile

Illustrative APR ranges at the 12-month baseline term. Longer terms add the adjustment shown further down; your exact rate is set within your band after underwriting, never above it.

Prime

Strong credit, established operations, healthy cash flow.

9.9%–13.9% APR range

Personal credit: 740+
Time in business: 3+ years
Monthly revenue: $50,000+
Up to: $500,000
Max term: 48 months

Strong

Good credit and consistent revenue with some seasonality.

13.9%–19.9% APR range

Personal credit: 690–739
Time in business: 2+ years
Monthly revenue: $30,000+
Up to: $350,000
Max term: 36 months

Established

Fair credit offset by real operating history.

19.9%–27.9% APR range

Personal credit: 650–689
Time in business: 18+ months
Monthly revenue: $20,000+
Up to: $200,000
Max term: 24 months

Building

Newer credit files. Shorter terms keep total cost contained.

27.9%–35.9% APR range

Personal credit: 620–649
Time in business: 12+ months
Monthly revenue: $15,000+
Up to: $100,000
Max term: 18 months

Illustrative APR ranges at the 12-month baseline term. Longer terms add the adjustment shown further down; your exact rate is set within your band after underwriting, never above it.
Profile	Personal credit	Time in business	Monthly revenue	Up to	Max term	APR range
Prime Strong credit, established operations, healthy cash flow.	740+	3+ years	$50,000+	$500,000	48 mo	9.9%–13.9%
Strong Good credit and consistent revenue with some seasonality.	690–739	2+ years	$30,000+	$350,000	36 mo	13.9%–19.9%
Established Fair credit offset by real operating history.	650–689	18+ months	$20,000+	$200,000	24 mo	19.9%–27.9%
Building Newer credit files. Shorter terms keep total cost contained.	620–649	12+ months	$15,000+	$100,000	18 mo	27.9%–35.9%

Term adjustments

Longer terms mean more months for things to go wrong, so the APR range steps up with the term. Notice what that means in practice: the shortest term you're comfortable with is almost always the cheapest loan.

Percentage points added to the baseline APR range for each term length
Term	APR adjustment
6 months	−1.5 pts
12 months	Baseline
18 months	+0.7 pts
24 months	+1.5 pts
36 months	+2.5 pts
48 months	+3.5 pts

A worked example, end to end

A Strong-profile business borrowing $75,000 over 24 months. Real amortization math, the same math the calculator runs.

APR range (24-month term): 15.4%–21.4%
Monthly payment: $3,651–$3,869
Total interest: $12,618–$17,848
Origination fee (3%): $2,250
You receive: $72,750
Total cost of borrowing: $14,868–$20,098
Cost per $1 borrowed: 20¢–27¢

Representative example

Borrow $75,000 over 24 months at 18.4% APR: 24 monthly payments of $3,759. Total interest $15,212, plus the $2,250 origination fee, for a total cost of borrowing of $17,462. Total repaid: $90,212.

Example only, using the midpoint of the Strong band at 24 months. Example APRs across all profiles and terms run from 8.4% to 36.6%.

How we price, honestly

Five inputs set your rate. Here's each one, and its weight.

Cash flow, first and most

Three months of bank activity tells us more than any credit score: deposit consistency, existing debt payments, balance cushion. Strong cash flow can lift you a full band.

Personal credit

Your FICO sets the starting band. It's a measure of history, not character, which is why it's one input, not the whole answer.

Time in business

Survival is signal. A business that has seen three winters prices better than one that hasn't seen its first.

Term length

Longer terms mean more months for things to go wrong, so the APR range steps up with the term. Shorter terms cost less in total, so take the shortest one your cash flow is comfortable with.

Industry stability

Steadier sectors price slightly better. We never price on ZIP code, gender, or ethnicity, and we audit our model quarterly to prove it.

Why we quote APR, not factor rates

A "1.24 factor" on a 6-month advance sounds like 24%. It's closer to 80% APR once you account for how fast you repay. APR is the only number that lets you compare us with your bank, your card, and anyone else. If a lender won't tell you the APR, that's the answer.

Every fee we charge

This list is complete on purpose. The most expensive fees in lending are the ones you find out about later.

Origination fee (3%, one-time)

Deducted from your disbursement

The only fee on a loan in good standing. Your agreement states the exact dollar figure.
Late payment

$25

Applies after a 10-day grace period. Call before the due date and it's usually avoidable.
Returned payment (NSF)

$15

Charged when an ACH bounces. We retry once, two business days later.
Everything else

$0

No application fee, no maintenance fee, no draw fee, no early-payoff fee. If it isn't in this table, we don't charge it.

All fees charged by Crescent Loans, with amounts and conditions
Fee	Amount	The honest detail
Origination fee (3%, one-time)	Deducted from your disbursement	The only fee on a loan in good standing. Your agreement states the exact dollar figure.
Late payment	$25	Applies after a 10-day grace period. Call before the due date and it's usually avoidable.
Returned payment (NSF)	$15	Charged when an ACH bounces. We retry once, two business days later.
Everything else	$0	No application fee, no maintenance fee, no draw fee, no early-payoff fee. If it isn't in this table, we don't charge it.

Reminder: Crescent Loans is a fictional design sample. Every rate, fee and figure on this page is illustrative and not an offer of credit.

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Soft pull only. See where your file actually lands before deciding anything.

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