Start with four questions — about two minutes.
No credit check, no documents needed up front. Tell us the shape of your business and what you were offered, and we'll come back by email with the math written out.
Check my offer →What you get back
- Total payback, in dollars
- Not the factor rate — the number. Amount × factor, and the fee that sits on top of it. This is the figure most offers never state in one place.
- The APR-equivalent
- A 1.35 factor over nine months is roughly 70% APR, not 35%, because daily debits shrink your balance from day one while the fee stays fixed. Only California and New York require this disclosure today (Maryland joins October 2026), so most merchants never see it.
- Daily payment against your revenue
- The number that decides whether the advance is survivable. Above roughly 7% of daily revenue and it starts eating the operating cash the business runs on.
- Whether the rate is fair for your profile
- We track published pricing for 100+ funders. Among the 34 that publish factor rates, entry pricing spans 1.10 to 1.40 — a 4× difference in fees on the same $50,000. We'll tell you where your quote sits in that spread.
- The contract terms worth arguing about
- Prepayment discount schedule, reconciliation rights, stacking clauses, and personal-guarantee language — the parts that decide what happens when a month goes badly.
- Whether you should take it at all
- If a line of credit, invoice factoring, equipment financing, or an SBA microloan fits your situation better, we say so. We have no reason to talk you into an advance you shouldn't sign.
Why we do this for free
Because the math is the product. A merchant who understands the true cost of an offer makes a better decision, and roughly half the time that decision is “not this one.” We'd rather be the site that told you the truth about a bad quote than the broker who earned points on it — that's the entire premise of how we work.
We earn a referral fee from a funder only when a merchant we matched chooses to move forward. That is disclosed on every page, including our pricing disclosure, and it is why we can afford to tell you an advance is the wrong product.
Prefer to run the numbers yourself?
The factor-rate calculator converts any quote to APR-equivalent and total payback instantly, with no signup. For the wider picture, the 2026 pricing reference shows real factor-rate ranges by paper grade, and the declined guide lays out the cheaper products worth checking before an advance.
Frequently asked questions
- Is the quote check really free?
- Yes, and there's no signup or credit pull. Fundnode earns a referral fee from a funder only if you later choose to move forward with one we match you to — and we disclose that rather than burying it in a rate. If the honest answer is that your quote is fine, or that you shouldn't take an advance at all, that's the answer you get.
- What do you need from me?
- The four numbers that determine everything: the advance amount, the factor rate (or total payback), the term, and the payment frequency — daily, weekly, or a percentage of card sales. Any fees listed on the offer help too. If you have the offer as a PDF or screenshot, you can send it after you start and we'll read it directly.
- Will you call me or sell my information?
- No. We work entirely by email — no sales calls, ever — and we don't sell or resell your details to funders or lead brokers. That resale is exactly why merchants who fill in one funding form get calls from a dozen shops for months afterward.
- How fast do I get an answer?
- Usually within one business day. If you're on a deadline to sign, say so and we'll prioritise it — most offers come with artificial urgency attached, which is itself worth knowing.
- What if I already signed?
- Still worth sending. Many contracts carry prepayment discounts or reconciliation rights that merchants don't know they have, and if you're carrying more than one advance there may be a consolidation path that costs less than what you're paying now.
Holding an offer right now?
Most advance offers come with a deadline attached to create pressure. Two minutes now is cheaper than a decade of regret about a nine-month liability.
Check my offer →