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Business Funding Offer Comparison Tool

Have 2 or 3 offers on the table? Enter the numbers and instantly see which deal costs less, has lighter payments, and pays off faster — side by side.

Enter the key numbers from each offer. Use the payment amount and count that matches what the funder gave you.

Offer A

Offer B

Offer C

Winner Summary

Lowest Total Cost

Offer C

$9,500

Lowest Estimated APR

Offer C

19.3%

Lightest Payment

Offer A

$675 daily

Offer A

daily
Funding Received$50,000
Total Payback$67,500
Total Cost$17,500
Payment Amount$675
Estimated Payoff100 days
Estimated APR127.7%
Payment Pressure1.4%

Offer B

weekly
Funding Received$50,000
Total Payback$63,000
Total Cost$13,000
Payment Amount$3,150
Estimated Payoff140 days
Estimated APR67.8%
Payment Pressure6.3%

Offer C

monthly
Funding Received$50,000
Total Payback$59,500
Total Cost$9,500
Payment Amount$4,958
Estimated Payoff360 days
Estimated APR19.3%
Payment Pressure9.9%

Disclaimer: This comparison tool provides estimates for informational purposes only. APR estimates are based on inputs provided and assume fixed payment schedules. Merchant cash advances are a purchase and sale of future receivables — not loans — and do not carry a legally defined APR. Actual terms, total costs, and payoff timelines vary. Always review your contract carefully before signing.

Want a Competing Offer?

If the offers you're comparing don't look great, we may be able to do better. As a direct funder specializing in 1st–5th position deals, we make same-day decisions and fund in 24 hours.

  • ✓ No broker fees
  • ✓ Same-day decision
  • ✓ $50K–$5M funding range
  • ✓ 1st–5th position specialist
Step 1: Contact Info
Step 2: Deal Details

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Frequently Asked Questions

What is the difference between an MCA and a business term loan?

An MCA is a purchase of future receivables repaid via a percentage of daily sales — there is no fixed term. A term loan has a fixed repayment schedule with set monthly payments and a stated interest rate. MCAs are faster to fund but typically have a higher effective cost.

What is factor rate and how does it compare to APR?

A factor rate (e.g. 1.35) is multiplied by your advance amount to get your total repayment. APR is an annualized percentage that accounts for the time value of money. Because MCAs are short-term, their effective APR can appear high even at modest factor rates.

What is payment pressure or cash-flow weight?

Cash-flow weight shows what percentage of your original funding amount you're paying per payment period. A higher percentage means more pressure on your daily or weekly cash flow.

Should I always pick the offer with the lowest APR?

Not necessarily. Longer terms with lower payments may suit a business better than a cheaper but faster offer. Compare total cost, payment size, and payoff timeline together — not just APR.

Can I get a better offer by having multiple funders compete?

Yes. Getting 2–3 offers and comparing them is one of the most effective ways to improve your deal terms. This tool is designed to help you do exactly that.

© 2025 Y Millennial Funding. This tool is for informational purposes only and does not constitute a loan offer or credit decision.