Quick answer
Greenbox Capital factor rates in 2026 typically range 1.28–1.45 depending on paper grade, term length, and broker markup. Effective APR equivalents range 40–90% depending on payback period. Greenbox publishes ISO commission caps up to 19%, which is rare transparency in the MCA space — verify direct-vs-broker pricing.
Full answer
Greenbox Capital's published factor rate range is 1.28 to 1.45 in 2026, with the specific factor determined by paper grade (A/B/C), term length, and whether you apply direct vs through a broker.
APR-equivalent calculation: a $50,000 advance at factor 1.35 over 6 months (typical mid-paper deal) equates to roughly 70% APR using the standard ((Factor - 1) × 365 × 2) / (Term days × (1 + Factor)) formula. Same deal over 12 months drops to ~35% APR. Always model both numbers before signing.
Prepayment policy: Greenbox does offer prepayment discounts on some products, though terms vary by deal. Get the discount terms in writing before signing — many funders charge the full factor regardless of payoff speed.
Going direct vs broker: Greenbox uniquely publishes ISO commission caps of up to 19%. If you apply through a broker, expect the effective factor you're quoted to be marked up by the broker's commission. Applying direct can save 4-19% on the all-in cost — material savings.
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