Seven lines decide whether an offer is good for you. Here is where they hide, what each one means, and the questions worth asking before you sign anything.
Every funding offer, from a two-page advance agreement to a forty-page SBA package, comes down to the same seven lines. Learn where they live and a five-minute read tells you everything the salesperson did and did not say. This is the checklist we run on every offer before a client signs, and it is yours now too.
The approval says $75,000. The wire might say $72,750, because origination fees often net out of funding. Neither number is wrong; you just need to know which one hits your account, because your plans are built on the net.
The single most important number on the page. On an advance it is amount times factor; on a loan it is the sum of all payments. Write it down in dollars. If the paperwork makes it hard to find, that itself is information. The math behind it is in factor rate vs APR and the true cost of an MCA.
Daily or weekly, fixed or a percentage of sales, and above all: the amount against your real deposits. Run it against your slowest recent month with the payment calculator. Weekly pulls are gentler on most operating accounts, and structure is negotiable more often than people think.
Shorter terms concentrate cost into bigger payments; longer terms spread it. Two offers with identical totals can feel completely different to carry. Match the term to how fast the money produces, not to whichever number looks smallest today.
Origination, ACH or wire, monthly admin on lines of credit, NSF fees. Add every one into your total-cost figure. Clean offers survive this test easily, which is exactly why it is worth running.
On amortizing products like term loans and lines of credit, early payoff saves interest by default. On factor-based products the payback is fixed unless a prepay discount is written in, so ask for one before you sign, not after.
Read what happens if a payment misses: fees, cure periods, guarantees. Not because you plan to miss, but because knowing the downside is part of pricing the deal. Reputable paperwork states it plainly.
Anyone who dodges those three is telling you something more useful than the offer sheet does.
Offer in hand from anywhere? We will run the seven lines with you, tell you if it is a good deal, and tell you if we can beat it, either answer at no cost. Start here or call or text (848) 420-8444. Reading offers is the job; we are fast at it.
Send us your positions and we will run the real math, free. One straight answer about whether consolidation gives your business room to breathe, with no pressure either way.