SW Capital Advisory
Menu

CAPITAL TOOL 03

Financing Offer
Comparison Tool

Compare what the business receives, what it repays, and how each payment structure may affect operating cash flow.

ENTER THE TERMS AS PRESENTED

Use the payment amount and number of payments shown in each proposal. Include fees withheld from proceeds.

Offer A
Offer B

SIDE-BY-SIDE RESULTS

No single number determines the better structure.

Complete the amount, payment, and payment-count fields for both offers to compare them.

OFFER A

Offer A

Cash received after fees
$0
Total scheduled repayment
$0
Estimated financing cost
$0
Cost as % of cash received
Not available
Approx. monthly payment burden
$0
Approximate term
Not available
Prepayment treatment
Unknown
Business collateral
Unknown
Personal guarantee
Unknown
OFFER B

Offer B

Cash received after fees
$0
Total scheduled repayment
$0
Estimated financing cost
$0
Cost as % of cash received
Not available
Approx. monthly payment burden
$0
Approximate term
Not available
Prepayment treatment
Unknown
Business collateral
Unknown
Personal guarantee
Unknown
Cost percentage is not APR.

This comparison does not annualize cost or account for every contract term. Review the complete agreements and confirm how early payoff is calculated.

Request an offer review
This educational comparison is not legal, tax, accounting, investment, credit, or lending advice and does not identify a universally better offer. Calculations depend on the accuracy and completeness of the terms entered. Variable-rate and revolving facilities require additional analysis.

STRUCTURE BEYOND THE HEADLINE

The largest approval is not always the strongest offer.

Total cost, payment frequency, term, collateral, guarantees, prepayment treatment, and the use of proceeds should work together.

Start Your Capital Review Read: Line of Credit vs. Term Loan