Business Funding Offer Analyzer | Cal Barton Cashback
Free business funding tool

See what your funding offer really costs.

Enter the numbers from your offer. See how much money you actually receive, how much you repay, how hard the payment may be on your business, and which contract terms deserve a closer look.

✓No signup required ✓Plain-English results ✓Instant educational report
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Barton Media LLC may be compensated if you use this link. Approval and terms are not guaranteed.

Step 1

What type of offer did you receive?

Choose the type that looks most like your offer. You can switch later.

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Step 2

Enter the numbers from your business loan offer

Use the offer, approval email, payment schedule, or contract you received.

What to have open

Use the offer, contract, payment schedule, or bank deposit. Tap any ? for help.

Your numbers stay on this device. This tool does not apply for funding or guarantee an approval.
Worth comparing

This offer has a few things to review carefully.

The analyzer found a few parts of the offer that may cost too much or leave the business with too little money each month.

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Cal's TakeThe best offer is not always the one with the smallest payment. Compare the total cost, repayment speed, and how much room the payment leaves in your business each month.
Your offer at a glance

The numbers that matter most

The results use the money you actually receive, what you must repay, how often you pay, and the contract details you entered.

How your offer compares with common reference pointsReference points reviewed July 2026

What helped or hurt the score

See which parts of the offer look better and which parts need more attention.

What stands out

These are the biggest things to review before you sign.

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Could a different funding structure improve this?

Use the weakness identified above as the main comparison point when reviewing another option.

Compare Other Structures →

Compensated link; approval and terms are not guaranteed.

Compare before you commit

Give this offer something to compete against.

Search for a potential comparison offer, then return here and enter its written terms for a side-by-side review.

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Barton Media LLC may be compensated if you use this link. Approval, pricing, and funding are not guaranteed.

01 · TOTAL COST

Do not look at the advertised rate alone.

Fees and a short payoff period can make an offer cost much more than it first appears.

02 · MONTHLY PRESSURE

Daily and weekly payments can feel much heavier.

Look at how much leaves the business each month, not just the size of one payment.

03 · CONTRACT TERMS

Know what happens if sales fall or a payment is missed.

Check personal guarantees, liens, early-payoff rules, payment-adjustment rules, and what the funder can do after a default.

Educational estimates only. This tool does not provide legal, accounting, tax, investment, credit-repair, or financial advice. Estimated yearly costs may differ from a lender's disclosed APR and may rely on assumptions about payment timing, sales, fees, and repayment duration. Review the complete agreement and consider speaking with a qualified professional before accepting financing. Funding approval, pricing, and terms are never guaranteed. Some links may be affiliate or referral links, which means Cal Barton Cashback may receive compensation.