BUSINESS FUNDING, EXPLAINED

Business Funding Offer Comparison

Compare two fixed-payback business funding offers by net cash received, withheld fees, total repayment and payment schedule. No signup needed.

Compare fixed-payback offers

No signup required. Calculator inputs stay in this page and are not submitted or saved. Standard site traffic measurement is separate. Refreshing clears your entries.

Use the actual quoted total payback. For a factor-rate offer, use advance × factor. This comparison is not APR and does not rank eligibility or recommend a provider.

Offer AGross funding amount ($)Fees withheld upfront ($)Existing debt paid off ($)Total repayment, including financed fees ($)Number of equal paymentsPayment frequency

Offer BGross funding amount ($)Fees withheld upfront ($)Existing debt paid off ($)Total repayment, including financed fees ($)Number of equal paymentsPayment frequency

Your comparison

Enter all fields (0 for no fees or payoff). Amount and whole-number payment count must be positive; deductions must be less than funding; payback must be at least the gross amount.

Existing payoff retires old debt and is excluded from new financing cost. Compare payment frequency and duration together; a smaller payment can last longer. Revenue-based collections, variable rates and extra charges require a different model.

Compare dollars and timing together

New cash received = gross funding − withheld fees − existing debt payoff. New financing cost = total repayment − gross funding + withheld fees. An old payoff reduces spendable cash but is not itself a fee for the new financing.

Use the quoted repayment total including any financed charges. Enter only withheld charges under upfront fees so they are not counted twice. Separately paid fees and changing payment schedules are outside this model.

A lower factor does not settle the comparison

Our illustrative example compares $50,000 at 1.25 with $4,000 withheld against $50,000 at 1.30 with no withheld fees. The first delivers $46,000 with a $16,500 cost; the second delivers $50,000 with a $15,000 cost. The different schedules still matter. These are hypothetical offers, not advertised terms.

A factor is not APR. The tool does not calculate APR or identify a best offer. Confirm contract terms, early-payoff treatment and collections during lower revenue. Use the factor-rate calculator, existing-advances guide and payment cash-flow calculator for related questions.

See what could fit your business.

Email, mobile and current revenue status are required. Financial figures and bank statements are optional. Loan Sweet Loan is a lead-generation and referral platform, not a lender or broker.

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By Loan Sweet Loan · Updated October 9, 2026 · Educational, AI-assisted content. About our guides

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