Free financing comparison tool
Business Loan Comparison Tool
Compare several financing offers on the numbers that actually change the decision: payment, fees, net cash received, total repayment and all-in borrowing cost.
Simple comparison
Updates live
Enter up to three financing offers
Offer ABank Term Loan
Offer BOnline Lender
Offer CCredit Union
Simple modelEach offer is treated as a standard monthly amortizing loan. Fees are assumed paid upfront and therefore reduce the net cash you receive without increasing the loan principal.
Side-by-side result
Which financing offer is cheapest?
Lowest total cost——
Lowest monthly payment——
Highest net proceeds——
| Metric | Offer A | Offer B | Offer C |
|---|---|---|---|
| Loan amount | — | — | — |
| Net proceeds after fees | — | — | — |
| Monthly payment | — | — | — |
| Total interest | — | — | — |
| Upfront fees | — | — | — |
| Total financing cost | — | — | — |
| Total repayment + fees | — | — | — |
| Cost per $1 borrowed | — | — | — |
OfficeQ readout
Advanced comparison
All-in cost model
Enter the full economics of each offer
Offer ABank Term Loan
Offer BOnline Lender
Offer CCredit Union
Business cash-flow constraint
Advanced modelEffective annualized cost is estimated from the borrower’s actual cash received at closing and the scheduled monthly cash outflows. It is an IRR-style comparison and may differ from a lender’s disclosed APR.
Advanced result
All-in financing comparison
Lowest all-in cost——
Lowest effective annualized cost——
Best monthly cash flow——
| Metric | Offer A | Offer B | Offer C |
|---|
OfficeQ readout
Cost composition
Interest + fees + balloon/exit effectsWhere the financing cost comes from
| Offer | Interest | Origination fee | Other fees | Exit fee | Total financing cost | Cost / net $1 received |
|---|
Cash-flow fit
At selected comparison horizonPayment burden and remaining balance
| Offer | Monthly payment | Vs comfortable payment | Balance at horizon | Principal repaid by horizon | Cash-flow signal |
|---|