Start with the numbers, not a lender

CloserToDone's tools are free, require no account or email, and run entirely in your browser — your numbers are never sent anywhere. Each tool answers a specific question about a financing decision.

Check My Options

Understand which financing structures are designed for your situation before you talk to any provider.

What it helps with

Shows which financing structures match your purpose, in general terms
Calculates the payment burden on the cash you say is available
Explains timing tradeoffs honestly — including when a structure is impractical for your deadline
Suggests when borrowing less, waiting, or not borrowing may be the smarter answer

What it does not do

It does not determine whether you qualify for anything
It does not predict approval or name a best lender
It is not an application, and nothing is submitted anywhere

Everything you enter stays in your browser. Nothing is stored, sent, or shared.

Open Check My Options

Compare My Offer

See what a financing offer you already have actually costs — before you sign it.

What it helps with

Computes net proceeds, total repayment, and true financing cost from the offer's own numbers
Shows cost per dollar received so different offers compare on equal footing
Estimates an annualized cost where the math supports it, with the formula shown
Lists the questions worth asking the provider before signing

What it does not do

It does not tell you whether to accept — that decision is yours
It does not compare your offer against a market average, because we do not invent rate ranges
It does not send your numbers to the provider or anyone else

Everything you enter stays in your browser. Nothing is stored, sent, or shared.

Open Compare My Offer

Understand the structures

Guides

Curious how the numbers are produced? Our methodology documents every formula, and how we make money explains the business model.