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Online Business Calculator Loan

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Question about APR Caculation?

I tried using online APR calculators but couldn’t figure it out. Here is all the info I have:

Amount of Loan: $65,800

Funds provides to Borrower: $64,234.00

Payment Schedule: 125 payments of $612.00 due each business day beginning one day before the funds are wired to Borrower’s account. “Business day” means any Monday through Friday.

Total Payback amount: $78, 960.

Fees:
- Origination Fee: $1316.00
- Processing Fee: $250.00

it’s somewhere around 3%

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nine + = 11