Factor Rate, Fair Market Value, Fill Rate, FLSA Overtime and more. Each definition explains what the term means and why it changes a number.
A multiplier applied to the amount advanced in a merchant cash advance, such as 1.3 meaning you repay 130%.
Why it matters: It is not an interest rate, and converting it to APR usually reveals a cost several times higher than it appears.
Run the business loan & credit line true cost →The price a willing buyer and willing seller would agree, neither under compulsion.
Why it matters: Cash-offer companies price below it deliberately, because they absorb repairs, carrying costs and resale risk.
Run the cash offer vs listing →The share of available ad inventory that actually gets filled with a paying advertisement.
Why it matters: Unfilled inventory earns nothing, so fill rate quietly caps what any traffic figure can produce.
Run the ad revenue & cpm →Overtime required under the Fair Labor Standards Act, generally over forty hours in a workweek.
Why it matters: Only FLSA overtime qualifies for the new federal deduction — state or contract overtime does not.
Run the no tax on overtime deduction →Housing costs divided by gross monthly income, traditionally capped around twenty-eight percent.
Why it matters: It works alongside the back-end ratio, and whichever binds first sets your actual budget.
Run the home affordability →A claim you make against your own insurance policy.
Why it matters: Diminished value is generally excluded from first-party claims, which surprises many drivers.
Run the diminished value claim →Costs that do not vary with sales volume in the short term.
Why it matters: They are the numerator of break-even, and cutting them lowers the volume you need to survive.
Run the break-even point →The legal process by which a lender takes and sells property securing an unpaid loan.
Why it matters: Timelines and whether a deficiency can be pursued vary substantially between states.
Run the heloc & home equity loan →Moving coverage paying repair or replacement value rather than a token amount per pound.
Why it matters: Default released-value protection pays cents per pound, which is nowhere near replacement.
Run the moving cost →