Comparing business-funding offers is exhausting — and the numbers are built to confuse you. So here's our promise: bring us any written offer. Two ways we beat it: we move you to a cheaper type of funding than the one you were offered — or, if the type you were offered really is right for you, we improve the deal itself: a lower total payback, a lower payment, less frequent debits, or more money. You tell us which of those matters to your business. If we can't beat it, we pay you $250 for your time. Minimum sizes and terms below.
We'll review your request and call with a real number — usually within the hour during business hours. Keep your offer handy so we can put ours right next to it.
Any written offer from a licensed funder or broker, dated in the last 14 days. Or just tell us what you're shopping for — we'll start there.
We put our best option next to yours on the terms that matter: total payback, payment, debit schedule, term, and amount. You see the total payback on both, whichever way the comparison lands — so if an improvement costs you something elsewhere, you can see exactly what. No APR-versus-factor-rate sleight of hand.
If we improve your deal, you take the better one. If we genuinely can't beat it on anything, we pay you $250 for your time. The conditions are short and they are all published below — a real approval, and a minimum deal size by product.
A factor rate isn't an APR. A low payment can hide a brutal total payback. The whole game is making offers hard to line up. We refuse to play it.
A $120k renewal at a 1.38 factor rate — meaning $1.38 paid back for every dollar — is $165,600 of total payback. The same deal re-priced at 1.24 is $148,800 — $16,800 kept. That's before checking whether a cheaper type of funding was open at all.
The answer clock starts when the package is complete — not when you first reach out. Answer within 6 business hours of a complete package.
Why each item: the statements are what funders actually price — they're the review. The application and license verify the business and its owner. The voided check only matters if you accept an option and funding gets set up — we can never debit it, and if you connect your bank instead it's read-only. Everything is encrypted in transit and at rest, visible only to your advisor. And your current funder never hears from us without your okay.