Compare a financing offer you already have

Enter the numbers from an offer you've received. We'll show the real cost, the payment burden, and the questions worth asking before you sign.

First time comparing? Read how to compare business financing offers or browse all tools and guides.

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How much money does your business actually receive?

The amount that reaches your business after any fees deducted upfront.

How is repayment stated on your offer?

A total repayment amountA factor rate (for example, 1.30)

Total repayment

The full amount you'll pay back over the life of the offer. Leave blank if your offer only lists the payments — we'll total the schedule below for you.

Payment schedule

If you enter the full schedule, we'll show the total it adds up to and flag it if it doesn't match the repayment above.

Each payment

Withdrawn

Number of payments

Fees (optional)

About how much money is left each month after normal business expenses and your regular owner pay, but before this new payment? (optional)

For example: if about $9,000 is left most months, enter 9,000. A rough estimate is fine. Leave blank if you only want the cost breakdown.

How we calculate this

Total repayment = all scheduled payments, plus any fees you marked as added to repayment.
Net proceeds = the amount received, minus fees deducted upfront.
Total financing cost = total repayment − net proceeds.
Cost per $1 = total financing cost ÷ net proceeds.
Approximate monthly payment burden converts your schedule using 52 weeks or 252 business days per year. It's a comparison figure, not a contractual monthly payment.
Estimated annualized cost, when shown, is an IRR-based annualization computed from the exact payment schedule you entered. It is an analytical figure — not an APR disclosed by the provider.

Full methodology