Term loans
Fixed amount, fixed schedule. Best when you know the size of the spend and want a predictable line on the P&L.
- Home
- Business Loans
Working capital, without the guesswork
Term loans, lines of credit, equipment finance and revenue-based advances, lined up so you can see what each one actually costs over its full term.
Why this is hard to compare
The problem
Business financing is quoted in more ways than any other product category. One lender talks in factor rates, the next in monthly payments, a third in a discount off invoice value. The headline number rarely settles which offer is cheaper. LendingFounder restates every option in the same terms -- total cost of capital, payment schedule, and what happens if you repay early -- so the comparison is real.
What is on the table
Lines of credit
Draw and repay as needed. You pay for what you use, which suits uneven cash cycles better than a lump sum.
Equipment finance
The asset secures the loan, which usually means a lower rate than unsecured borrowing of the same size.
Revenue-based advances
Repayment moves with your receipts. Fast to arrange and expensive to hold -- worth reading the total cost closely.
Side by side
How the structures compare
| Structure | Typical use | Cost driver | Watch for |
|---|---|---|---|
| Term loan | One-off investment | Interest rate and term | Prepayment terms |
| Line of credit | Uneven cash cycles | Utilisation and draw fees | Renewal conditions |
| Equipment finance | Asset purchase | Rate against asset life | Residual and end-of-term |
| Revenue-based advance | Short gaps | Factor rate, not APR | Total repayment amount |
Ready to see the numbers?
Term loans, lines of credit, equipment finance and revenue-based advances, lined up so you can see what each one actually costs over its full term.
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