Compare business funding offers using the same amount received, estimated APR, total dollar cost, payment size, payment frequency, term, fees, and early-payoff rules.
Translate two bank, MCA, or equipment offers into the same three numbers.
Compare my offers →Put every offer into the same three-number frame: estimated APR, payment amount at its actual frequency, and total dollars paid. Then compare net cash received, term, collateral, personal guarantee, prepayment rules, and what happens during a slow month. The lowest payment is not automatically the cheapest offer.
Compare net proceeds, not the number printed at the top of the term sheet.
An offer for $50,000 with a 3% fee withheld delivers $48,500. Another may deliver the full $50,000 but charge a higher rate. If the business needs $50,000 in the account, the first offer does not fully solve the same problem.
Write down the cash received on day one for each offer before comparing anything else.
Banks may quote an interest rate plus points. MCAs quote a factor rate or cents on the dollar. Equipment financing may show only a monthly payment and residual buyout.
Estimated APR converts those cash flows to a common annualized measure. Include fees withheld from proceeds because they are part of what the money costs. APR is the best starting point for price comparison, but it is not the entire decision.
A $1,250 weekly debit is not emotionally or operationally identical to a $5,417 monthly payment, even when the monthly average looks similar.
Record the amount of every draft, its frequency, and whether it is fixed or adjusts with revenue. Then test the payment against an ordinary month and a weak month. This exposes offers that look affordable annually but are hard to carry between customer deposits.
A longer loan can have a lower APR and a lower monthly payment but still cost more dollars over its full life. A shorter loan can cost fewer total dollars but put much more pressure on current cash flow.
That is not a contradiction. APR measures the annualized price; total cost measures dollars; payment measures cash-flow pressure. You need all three because each answers a different question.
Check collateral and lien requirements, the personal guarantee, default triggers, late fees, confession-of-judgment language where applicable, prepayment penalties, and whether early payoff reduces the finance charge.
For equipment financing, confirm whether a residual or buyout remains at the end. For a variable-rate loan, identify the index, margin, adjustment frequency, and any floor. For an MCA, read the reconciliation provision and the provider's process for using it.
1. Eliminate any offer that does not deliver enough net cash.
2. Eliminate any payment the business cannot carry through a slow month.
3. Compare estimated APR and total dollar cost among the survivors.
4. Read the security, guarantee, default, and early-payoff terms.
5. Decide what the more expensive offer buys — speed, flexibility, approval odds, or a smaller payment — and whether that benefit is worth its price.
If you cannot explain the tradeoff in one sentence, the offers have not been normalized yet.
Calculations on FindFundCall are educational estimates. Your agreement and the current program rules control.
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