Main Street Numbers guidesGuides on business financing costs, from Main Street Numbers.https://mainstreetnumbers.com/Factor Rate vs. APR: What a Merchant Cash Advance Really Costs | Main Street Numbershttps://mainstreetnumbers.com/guides/factor-rate-vs-apr/https://mainstreetnumbers.com/guides/factor-rate-vs-apr/Why a 1.35 factor rate is not 35%, how to convert a factor rate to an APR, and why the term matters more than the factor rate itself.Sat, 26 Sep 2026 12:00:00 GMTFMV Lease vs. $1 Buyout Lease: Which Equipment Lease Is Cheaper? | Main Street Numbershttps://mainstreetnumbers.com/guides/fmv-lease-vs-dollar-buyout-lease/https://mainstreetnumbers.com/guides/fmv-lease-vs-dollar-buyout-lease/How fair market value and $1-buyout equipment leases differ in cost, tax treatment and ownership, with a worked after-tax comparison.Sat, 26 Sep 2026 12:00:00 GMTFranchise ROI: How to Evaluate Whether a Franchise Is Worth the Investment | Main Street Numbershttps://mainstreetnumbers.com/guides/franchise-roi-guide/https://mainstreetnumbers.com/guides/franchise-roi-guide/How to calculate franchise ROI — total investment, owner earnings, break-even period, and what FDD Item 19 tells you about real financial performance.Sun, 25 Oct 2026 12:00:00 GMTHow to Set Your Freelance Rate: The Real Cost of Self-Employment | Main Street Numbershttps://mainstreetnumbers.com/guides/freelance-rate-guide/https://mainstreetnumbers.com/guides/freelance-rate-guide/How to calculate a freelance hourly rate that covers taxes, benefits, business costs, and non-billable time — and how to check whether your current rate is sustainable.Sun, 25 Oct 2026 12:00:00 GMTHow SBA 7(a) Guaranty Fees Work (FY2026 and FY2027) | Main Street Numbershttps://mainstreetnumbers.com/guides/how-sba-7a-guaranty-fees-work/https://mainstreetnumbers.com/guides/how-sba-7a-guaranty-fees-work/How the SBA 7(a) upfront guaranty fee is calculated, the fee tiers and waivers for fiscal 2026 and 2027, and what the fee does to your APR.Sat, 26 Sep 2026 12:00:00 GMTHow to Compare Business Loan Offers: APR, Total Cost and Fees | Main Street Numbershttps://mainstreetnumbers.com/guides/how-to-compare-business-loan-offers/https://mainstreetnumbers.com/guides/how-to-compare-business-loan-offers/A step-by-step way to compare business loan offers quoted in different ways, with worked examples of origination fees, flat interest and short terms.Sat, 26 Sep 2026 12:00:00 GMTQBI Deduction (Section 199A): How Self-Employed People Calculate It | Main Street Numbershttps://mainstreetnumbers.com/guides/qbi-deduction-guide/https://mainstreetnumbers.com/guides/qbi-deduction-guide/How the Section 199A QBI deduction works — the 20% rule, the W-2 wage and property limits, and how the SSTB phase-out affects consultants and advisors.Sun, 25 Oct 2026 12:00:00 GMTSection 179 vs. Bonus Depreciation for Equipment (2026) | Main Street Numbershttps://mainstreetnumbers.com/guides/section-179-vs-bonus-depreciation-equipment/https://mainstreetnumbers.com/guides/section-179-vs-bonus-depreciation-equipment/How Section 179 and 100% bonus depreciation compare in 2026: limits, the taxable income rule, when each applies, and what faster deductions are worth.Sat, 26 Sep 2026 12:00:00 GMTSelf-Employment Tax: How SE Tax Is Calculated and How to Reduce It | Main Street Numbershttps://mainstreetnumbers.com/guides/self-employment-tax-guide/https://mainstreetnumbers.com/guides/self-employment-tax-guide/How self-employment tax is calculated on Schedule SE, why the 0.9235 multiplier exists, how the half-SE deduction works, and the strategies that reduce your net SE tax.Sun, 25 Oct 2026 12:00:00 GMTWhat Is a Holdback Percentage? How Sales-Based MCA Repayment Works | Main Street Numbershttps://mainstreetnumbers.com/guides/what-is-a-holdback-percentage/https://mainstreetnumbers.com/guides/what-is-a-holdback-percentage/How a merchant cash advance holdback works, how to estimate the daily payment and payoff time, and why higher sales mean a higher APR.Sat, 26 Sep 2026 12:00:00 GMTWorkers' Comp Insurance Premiums: How Small Business Rates Are Set | Main Street Numbershttps://mainstreetnumbers.com/guides/workers-comp-premium-guide/https://mainstreetnumbers.com/guides/workers-comp-premium-guide/How workers' compensation insurance premiums are calculated — class codes, payroll base, experience mod, and the strategies small businesses use to reduce rates.Sun, 25 Oct 2026 12:00:00 GMT