How we decide what to recommend

When you finish the estimate form, you're not shown a list of every lender who'll take your application — you're shown a ranked handful of products that actually fit your business. That ranking comes from a scored match, not a sales script, and it's worth explaining plainly, because "we matched you" means nothing if you can't see the reasoning behind it.

Five inputs, one score per product

Each product in our menu — SBA, term loans, line of credit, equipment financing, invoice factoring, commercial real estate, startup financing, and merchant cash advance — carries its own weighting across five inputs: your stated purpose, your credit band, your time in business, your revenue band, and the amount you're requesting. A product built for buying equipment weighs "purpose" and "years in business" more heavily; a product built for smoothing cash flow weighs revenue and credit more heavily. The weights aren't arbitrary window dressing — they're specific to how each product actually underwrites in the real world.

We run your inputs against every product's weights, normalize the results, and rank what comes out. Products with hard gates — a minimum time in business, a minimum revenue floor, a required purpose — simply don't qualify to be ranked if you don't clear the gate, the same way they wouldn't clear underwriting later. We'd rather tell you that up front than waste your time on a product you can't actually get.

Why SBA sits first when it fits

SBA financing tends to surface first when it fits, because the scoring rewards exactly what SBA offers a qualifying business: the lowest cost and the longest terms. If your profile supports it, seeing it first is the honest answer, not a technicality.

Why merchant cash advance is ordered last

Merchant cash advance sits at the bottom of our product menu by deliberate design, not by accident. It's the fastest, most accessible option — often the only one available to a business that can't clear other products' gates — but it's also priced with a factor rate rather than an APR, and the effective cost is typically far higher than a term loan or line of credit. Ranking it last reflects what it actually is: a real option when nothing else fits yet, not a default recommendation.

Where our incentives sit

We'll be direct about the economics: as a full-service financing matchmaker, how we get paid can vary by product. That's exactly why the ranking logic is rules-based and disclosed, rather than left to whoever happens to answer your file. Illustrative example — not a live calculation: two businesses with identical revenue and credit but different time in business can see different top matches, because time in business is one of the five weighted inputs, not because one lead is worth more to us than the other.

The short version: we show you the product that scores best against your actual numbers, we show low-cost capital first when you qualify for it, and we put the most expensive option last — on purpose, every time.

Educational only — not financial, legal, or credit advice. Worked figures are illustrative examples, not calculations for a real applicant.