Blind Discount Calculator

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How Blind Discounting Works

You promote a below-market rate (e.g. "36 months @ 0% interest"). You discount your invoice by a subsidy amount — the customer never sees it. Fox Ridge funds you at the net amount and the customer signs paperwork at the gross amount, with monthly payments that match the promoted rate. Your customer gets a great rate. You close more deals.

Equipment Cost

Exclusive of sales tax and shipping. Updates both calculators.

Enter Discount % → See Customer Rate

Know how much you can discount your invoice? Enter it here and see what interest rate that buys your customer by term length.

Vendor Discount / Subsidy %

Discount $

$5,000

Net Funded to You

$95,000

Term Customer Pmt Customer Rate Discount $ Net to Vendor

Enter Target Rate → See Discount Needed

Want to advertise a specific rate (0%, 2.9%, 4.9%)? Enter it and see exactly how much you need to discount your invoice to hit that rate by term.

Desired Customer Interest Rate

Enter 0 to model a 0% rate promotion. The discount needed increases with term length since lower rates cost more over longer periods. Rows shaded orange flag discounts that may be uneconomic.

Term Customer Pmt Discount % Discount $ Net to Vendor

Step-by-Step: How a Blind Discount Deal Closes

Decide Your TermsChoose the term length, the rate you want to advertise to your customer, and the discount percentage you can absorb. Use the calculator above to model the numbers.

Market the Below-Market RatePromote the discounted rate to your customer (e.g. "Finance for 36 months at 0% interest!" or "Special financing at 2.9% for qualified buyers").

Customer Signs Finance DocsYour customer reviews and e-signs the finance agreement at the promoted rate. Quick, easy, fully digital. Credit decisions within 2 business hours.

You Provide Two InvoicesSubmit two invoices to Fox Ridge: (1) the gross invoice at full price — the customer's copy; (2) the net invoice after discount — the funding copy. Or alternatively, you write Fox Ridge a check for the subsidy amount.

You Get Funded at Net AmountFox Ridge wires you the net invoice amount — 100% pre-funded before equipment ships. The discount stays between you and us. Your customer never sees it.

Estimates only — not a commitment to lend or a guarantee of approval. All financing is subject to credit approval and underwriting at Fox Ridge Capital's sole discretion. Rate factors shown represent a sample structure; final rate factors may vary by deal size, term, and credit profile. Vendor must be enrolled in a Fox Ridge subsidy program before submitting transactions for blind-discount funding.

Vendor Blind Discount Calculator

Enter Discount % → See Customer Rate

Enter Target Rate → See Discount Needed