Skip to main content
OpenQuote
Start an application
Email + phone not sent to funders

Compare the offers. Keep control.

We do not send your email or phone number to a funder until you pick that funder and tell us in writing to send your file.

Start an applicationExplore all six calculators

Free to apply. No commitment. Compare on your time.

  • Business summary goes first
  • Questions route through OpenQuote
  • Email and phone follow only after your written direction
Interactive previewPrivate offer room
Email + phone not sent
Partners receiveBusiness summary
Sent out for quotes Partner A Partner B Partner C
Excluded from the partner summaryEmail + phoneSent only to the funder you pick, after your written direction
Selected view

Working capital advance

No ranking applied
Price shown as
Fixed multiplier times the advance
Total repayment
One fixed figure
Payment cadence
Daily or weekly
Early payoff and comparison notes

Usually fixed. Ask how early payoff is handled. OpenQuote lines up the same fields across every offer so you can compare the math on your own time.

Ask through OpenQuoteChoose on your timeChoose, then direct us in writing
See the quote room in motion

Your business summary goes first. Your email and phone do not.

Questions come back through OpenQuote while you compare. We do not send your email or phone number to a funder until you pick that funder and tell us in writing to send your file.

  1. 01 Summary routes
  2. 02 Offers align
  3. 03 You decide
See every step
Watch how it worksIllustrative example. Not an offer, a quote, or an approval.
Free tools

Run the numbers before you talk to anyone.

No account and no email required.

Cost estimators

Cash advances, term loans, credit lines, equipment, factoring, and SBA. Totals in dollars.

Open the estimators

Offer comparison checklist

The six fields to ask for before you sign.

Get the checklist

Learn hub

Guides to funding structures, remittances, and personal guarantees.

Browse the guides
How it works

What happens after you apply.

A member of our team keeps you posted at each step, and nothing moves forward without your go-ahead.

01

Share the basics.

Time in business, monthly revenue, and what the capital is for.

02

Quotes come back in dollars.

Partners review the file and quote terms. We put each quote on one page in plain dollars.

03

You choose your timing.

Take an offer, ask more questions, or walk away.

Understand your offer

What a funding offer actually looks like.

Change the numbers. Real offers come only from partner quotes, and nothing about you is collected here.

Illustrative example. Not an offer, a quote, or an approval.

Never collected.

Funding amount$50,000
Cost multiplier1.26x
Cost of capital$13,000
Estimated total repayment$63,000
Estimated payment~$254 / selling day
Estimated term At 11% of sales; faster months finish soonerAbout 9.5 months
Estimated annualized cost~65% / yr
* Market data sources
  1. KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
  2. KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
  3. DBRS Morningstar, BasePoint MCA Securitization 2023-1 (Dec 2023): portfolio average 1.32x; eligibility floor 1.265x.
  4. New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
  5. People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.

Educational market data with full citations on file. Not OpenQuote partner pricing, and not a quote.

Actual amounts and terms are set by independent funding partners and depend on your revenue, time in business, and other factors. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not OpenQuote partner pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.

Read the full breakdown

Browse all six cost estimators

Market education

The four common funding structures.

Read the full breakdown on each. Availability varies by partner, file, and jurisdiction.

Business line of credit

Cost on drawRevolving

Business term loan

Annualized pricingMonthly installments

Equipment financing

Asset-securedFixed term

Working capital advance

Multiplier pricingDaily or weekly
Our standard

How we work, and what you will never see here.

What we do

  • Breaks the math down with plain visuals and dollar totals.
  • Grounds expectations in industry market data, as far as the data allows.
  • Shops your file without your contact details.

    Funders quote from a business summary. Your email and phone number go to a funder only when you pick that funder and tell us in writing.

  • Keeps costs and next steps in plain view.

    Looking is free and commits you to nothing.

  • Stays on the line after the offer.

On this site you will never see

  • Fake approval odds or invented funding promises.
  • Pressure to sign before you understand total repayment.
  • A fee to apply, hidden or otherwise.
  • Invented volume totals or logo walls.
  • Your details sold, rented, or put on a marketing list.
Straight answers

The questions owners ask first.

Is OpenQuote a lender?

No. OpenQuote is a commercial finance broker. We organize your file, route it to third-party funding partners, and help you compare what comes back. The partners set terms and make every approval decision.

What does it cost to apply?

Nothing. OpenQuote charges merchants no fee to apply, to compare offers, or to walk away. OpenQuote is paid by funding partners when a match funds; the compensation disclosure explains exactly how.

Does OpenQuote check my credit?

OpenQuote does not run credit checks. Any credit review happens with a funding partner, and the partner tells you before it happens, so you decide whether to proceed.

What is a factor multiplier?

One number that sets your total repayment on an advance. 1.15 on $50,000 means $57,500 back in total, a $7,500 cost of capital. That 1.15 sits toward the low, well-qualified end. Across the market these advances commonly run about 1.1x to 1.5x. Most sold deals land around 1.30x to 1.40x, and audited portfolio averages run about 1.33x. Those are industry figures, not an OpenQuote quote. The cash advance cost estimator above shows the math and how a shorter term raises the same multiplier's annualized cost.

What happens to my information?

We review your file and use it to line up funding partners. Partners first see a business summary without your email or phone number, so questions come back through us. Your full file and contact details go to a specific partner only after you tell us in writing to send them. We store your submission securely and never sell it. If documents are needed, we tell you what is needed and why before you upload anything.

Start your application whenever it suits you.

Applying does not obligate you to accept any offer. Funding partners pay OpenQuote when a match funds. You never pay us.

Start an application