Term loans
Fixed amount, fixed schedule. Best for a one-off spend you can size.
Business Loans
Term loans, credit lines, equipment finance and revenue-based advances, compared on their full cost.
Why this is hard to compare
The problem
One lender quotes a factor rate, the next a monthly payment, a third a discount on invoices. We restate every offer the same way -- total cost, payment schedule, early repayment -- so the comparison is real.
What is on the table
Lines of credit
Draw and repay as needed, and pay only for what you use.
Equipment finance
The equipment secures the loan, which usually means a lower rate.
Revenue-based advances
Repayment moves with your sales. Fast to arrange, expensive to hold.
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?
Free to compare, and it never touches your credit score.