One free profile. Six categories, SBA to cards to fast working capital to MCA relief. Every figure source-labeled before you apply.
Free to use. Joining, building your file, connecting a bank, being scored, being routed to every funder whose rules you fit and comparing the offers that come back all cost nothing: no subscription, no advance fee, no invoice before funding. Financing partners pay us on funded deals and card issuers pay on approved accounts. Whatever our compensation is on your deal is printed on the offer, in dollars, before you accept it.
One profile drives the whole comparison. As evidence lands, the platform models your paths and preps the file for routing.
Delgado Logistics LLC
Strong file. Most lenders will price this, and SBA Express is in range.
What affects thisMCA stack detected. 2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.
Advance refinance offer from Harbor Point Capital.
Count · total $70,400
4 offers are on your file. Cost figures are estimated from the offer terms. Nothing funds until you review and accept.
Compare and accept| Funder | Amount | Rate and term | Status | Open |
|---|---|---|---|---|
| Summit Ridge FundingTerm loan | $75,000 | 18.9% APR 24 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $55,000 | 1.28× factor 12 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $45,000 | 1.22× factor 9 mo term | Approved | View offer |
| Cedar Vale CapitalLine of credit | $40,000 | 22.5% APR 12 mo term | Approved | View offer |
Your file is routed and pricing. Here is the coverage behind it.
4 approvals on your file. 3 more boxes clear if you want them competed, ranked by your cost.
Your strongest fit looks like a secured line of credit.
Estimate from your statements, not an offer.
Fintech line (Bluevine/OnDeck floors: 600-625 FICO, $10k+/mo, 12mo TIB). Draws repay 6-12mo; new NSFs freeze it.
5-8 mo, factor 1.35-1.45, daily remittance. At $24,000: ~$1,292/wk ($267/day equiv).
PG + lien on receivables/assets; 12-24 mo; prices under exception unsecured.
Statements alone can NEVER decide SBA: DSCR >=1.1-1.15 off EBITDA from tax returns [SOP 50 10 8]. Needs 2-3yr returns, P&L, debt schedule, use of funds. 30-90 day timeline.
Pay off existing positions, one lower combined pull; needs payoff letters from every funder.
Consolidate Stack 2 first. Effective APR drops from 84% to 10.5%, which clears the SBA 7(a) bar.
$24,000 estimated - grade cap is the binding cap.
Count · bars in proportion, full width is $48,000
Read from your connected account. Model a consolidation to see one combined payment.
The products your statements cannot price on their own. Your file clears the usual floors on 1 of 3. These are estimates from your own record, not approvals.
No partner publishes business credit card, equipment financing in TX yet, so a screen there cannot be routed today.
Each bar is that factor's score out of 100, weighted into your readiness total.
Compare recorded terms on total payback and daily load before you accept. A cheaper lane may already be on your file.
Stacked daily debits shrink room for cheaper capital. Run consolidation, payoff, and SBA-path math before adding another advance.
Some gates are open, others need work — time in business, debt service, or MCA payoff. See what to fix before you apply.
The one profile all six categories are compared against. Build it once and every path below prices off it.
Track and build your business credit across authorized bureau data when available, uploaded records, and clearly labeled estimates. See which factors hold you back and get the specific moves that raise your file before you apply.
Compares Experian Business, Equifax Business, Dun & Bradstreet PAYDEX, FICO SBSS.
Owners getting a file ready to be reviewed, including new EINs with no bureau history and businesses with thin or damaged trade credit.
Compare business cards on rewards, intro APR, annual fee, and credit limit. The planned issuer workflow will rank estimated fit from source-labeled profile data and keep estimates separate from issuer decisions.
Compares Cash-back & rewards cards, 0% intro-APR cards, Charge cards & spend management, Secured business cards.
Everyday spend, working capital, and building credit without new debt.
SBA 7(a), 504, and Express have detailed eligibility and documentation requirements. The workflow estimates readiness, builds a document checklist, and prepares selected files for matching lender boxes.
Compares SBA 7(a), SBA 504, SBA Express, SBA Microloan.
Established businesses that can wait weeks for materially cheaper money.
Compare rate, term, and speed across bank and online lenders.
Model a fixed-term loan for a known cost or a revolving line for flexibility. The workflow compares expected APR, term, payment, and time-to-fund, then replaces estimates with actual lender offers when available.
Compares Bank term loans, Online term loans, Business lines of credit, Equipment financing.
Growth, inventory, equipment, and bridging a gap in cashflow.
The fastest honest path to an advance: one complete file, every matching funder at once.
When speed matters, the slow part is never the money, it is the re-shopping. Build one complete file, and it goes to every funder whose box it fits at the same time. Offers come back competing on the same numbers, you pick on total payback, and funding is confirmed on the platform.
Compares Merchant cash advance, Revenue-based advance, Short-term working capital, Same-file competing offers.
Owners who need working capital moving now and want funders competing instead of calling.
Already stacked? Map every advance, price the real cost, and model the way out.
If daily or weekly debits are choking your cashflow, map every disclosed advance, estimate the true cost behind the factor rate, and model payoff, consolidation, refinance, and restructure paths for review.
Compares Consolidation, Refinance to lower cost, Negotiated restructure, Payoff sequencing.
Owners carrying one or more active advances who want the real cost and their exit options before talking to anyone.
Likely paths, missing evidence, and the numbers behind each option, before you apply.
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