Should I compare factor rate or APR?

Many MCA and factoring quotes use factor rates or total payback. This tool stays in dollars: total cost and cost per $1 borrowed from the numbers on your term sheet. If an offer is amortizing with a stated APR, you can still enter total repayment from the term sheet.

What if fees are deducted from proceeds?

Use the net amount that hits your bank as “amount received.” Total repayment should include every dollar you pay back, including any origination fee you repay through the schedule.

Can I compare a daily ACH advance to a monthly term loan?

Yes — enter each offer’s frequency and payment count separately. Compare total cost and cost per $1 borrowed, then read payment per week and per month to see cash-flow pressure.

Who picks the cheapest offer?

You do — this page only shows math from your inputs. After you compare, you can submit one financing inquiry if you want another path reviewed.

Compare Business Financing Offers

Updated Oct 27, 2026 · LoanHelp editorial team · Editorial policy

Enter up to three real offers side by side — cash in your account, total payback (or payment × count), and how often you pay. The tool compares total cost in dollars, cost per $1 borrowed, and a plain sentence you can quote back to a lender. No default rates or prefilled numbers.

Use numbers from term sheets or emails — bank term loans, dealer equipment offers, factoring quotes, or merchant advance schedules.

Daily frequency uses business-day debits — 5 payment days per week and about 21.67 per month (260 business days ÷ 12).

Offer A

Amount you receive (net in your account)

How you enter payback

Payment amount

Number of payments

Payment frequency

Offer B

Amount you receive (net in your account)

How you enter payback

Payment amount

Number of payments

Payment frequency

Offer C

Amount you receive (net in your account)

How you enter payback

Payment amount

Number of payments

Payment frequency

Your comparison

Enter at least one complete offer to see total cost in dollars.

What to look for in an offer

Prepayment — can you pay off early without paying the full scheduled cost?
Daily vs weekly vs monthly debits — match the rhythm to your deposit pattern.
Fees withheld from proceeds — compare net received to gross, not just the headline amount.

Loading calculator…

FAQ

Should I compare factor rate or APR?: Many MCA and factoring quotes use factor rates or total payback. This tool stays in dollars: total cost and cost per $1 borrowed from the numbers on your term sheet. If an offer is amortizing with a stated APR, you can still enter total repayment from the term sheet.
What if fees are deducted from proceeds?: Use the net amount that hits your bank as “amount received.” Total repayment should include every dollar you pay back, including any origination fee you repay through the schedule.
Can I compare a daily ACH advance to a monthly term loan?: Yes — enter each offer’s frequency and payment count separately. Compare total cost and cost per $1 borrowed, then read payment per week and per month to see cash-flow pressure.
Who picks the cheapest offer?: You do — this page only shows math from your inputs. After you compare, you can submit one financing inquiry if you want another path reviewed.