What You Get
What's Inside the Guide
Factor Rate vs APR — side-by-side comparison with real dollar amounts
The 7 numbers on every loan offer and what each one means
Real scenario: three offers, one business — which one wins and why
6 red flags that should make you walk away from any lender
Blank loan comparison worksheet you can print and use
Cost Per Dollar Borrowed formula for instant offer comparison
Is This For You?
Who This Guide Is For
First-time borrowers who want to understand what they're signing before they sign it
Business owners comparing offers who need a neutral framework for evaluating competing proposals
Owners who've been burned before and want to recognize red flags before they repeat the experience
Anyone considering working capital, MCA, or equipment financing and wants to understand the real cost in plain English
Preview
Real Scenario From the Guide
Maria owns a catering company doing $60,000/month in revenue. She needs $80,000 for a commercial kitchen buildout. She gets three offers:
| Offer A: MCA | Offer B: Working Capital | Offer C: Equipment | |
|---|---|---|---|
| Total Cost | $28,000 | $17,600 | $19,504 |
| Payment | $675/day | $542/week | $2,073/month |
| Term | 8 months | 12 months | 48 months |
Maria chose Offer C. Monthly payments of $2,073 fit her cash flow, the equipment serves as collateral, and the Section 179 deduction saved her an estimated $20,000 in year-one taxes. The guide walks through exactly why.
Get the Full Guide Free
Factor rates, APR, red flags, comparison worksheets, and real scenarios — all in a printable PDF.
Related Tools
Put the Guide Into Practice
FAQ