OpenbookCapital
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Every option shown with its full cost: payback, dollars, payment and estimated APR.Compare all funding types →
How money moves in 0 industries, and which funding fits each cash cycle.All industries →

Directory

All 0 fundersWhat each one publishes, with sources Compare side by sidePick up to 3 funders Lender listsSorted by what they publish

Popular lists

Funders that publish a price Lowest credit minimums Under 1 year in business Merchant cash advance funders

Well-known funders

Research, not partnerships

Every figure comes from the funder's own website, with the date we checked it. We only mark a funder as a partner where a signed agreement exists.

Browse the directory

How we work

How it worksEvery step and how long it takes The Openbook StandardWhat we promise on every offer

Company

About Openbook PartnersRefer clients, or fund with us Careers

Get in touch

Contact Request a callPick a time that suits you
We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

Read the standard

Merchant cash advances · Lines of credit · Loans

Know the full cost before you take the money

Apply once. Openbook compares offers from multiple funders and decodes each one: total payback, cost in dollars, payment, term and estimated APR.
Check my options Decode an offer you have
  • About 3 minutes
  • No cost to apply
  • No credit impact to check
Page 1 · The offer
$50,000
1.35
8 months
Payments
The sales pitch Just $401.79 a day. You're approved. Turn the page for what it costs.
Page 2 · What it costs
  • Total payback$67,500
  • Cost of funds35¢ per $1 advanced$17,500
  • Payment168 business-day debits$401.79
Estimated APRAnnualized, for comparison94.6%
AdvanceCost

Estimate using business-day debits and no fees. Your contract's disclosures govern.

Open the full decoder

What you'll see

Printed on every offer we present

Read the Openbook Standard

Total payback

Every dollar you'll repay, not just the daily debit.

Cost in dollars

What the money costs, and the cents per dollar advanced.

Payment and schedule

Amount, frequency and how many debits until you're done.

Estimated APR

So an advance, a loan and a line compare on one scale.

Prepayment terms

Whether paying early saves money, in dollars.

Funders whose published terms we track — research, not partnerships See all 0

The problem

Most offers show the payment and hide the price

A $402 daily debit sounds manageable. Over 168 business days it adds up to $67,500 for a $50,000 advance, and nobody on the call says so.
Why 1.35 isn't 35% Red flags to watch for

A factor rate looks small

1.35 reads like 35%. Repaid over 8 months of business-day debits, it works out near 95% a year.

Offers “expire” on the call

Pressure to sign today is how owners end up with terms they never compared.

Second advances pile up

A new daily debit on top of an old one comes out before payroll does. Stacking is how a manageable advance becomes a cash-flow problem.

How it works

One application, every offer decoded

Most of the waiting happens at the funder. Here's what we do and roughly how long each part takes.
Every step in detail
  1. 01

    Tell us what you need

    The amount, what it's for, and a few facts about your business. No SSN, no bank login.

    About 3 minutes
  2. 02

    Share bank statements

    A specialist contacts you within 1 business day and sends a secure link for your last 4 months of statements.

    Secure upload
  3. 03

    Approve the funders

    We match your file to funders whose published criteria fit, and name each one before anything is sent.

    You approve each funder
  4. 04

    Compare, then choose

    Every offer side by side: payback, dollar cost, payment, term and estimated APR. Pick one or walk away.

    Often funded 1–2 days after signing

Funding options

Funding for the way your money moves

0 ways to fund a business, each with typical costs, speed and who it fits. We'll tell you when a cheaper option is realistic.
Compare all funding types

The Openbook Standard

The rules behind every offer we show you

If an offer can't meet them, we don't present it. Funders pay us when a deal funds, so you never pay us to apply.
Read the standard

Lender research

We track what 0 funders publish

Amounts, minimums, speed and price, taken from each funder's own website with the date we checked. Most keep their price off the page: only 0 of 0 product listings publish one.
0funders and lenders tracked
0product listings recorded
0listings that publish a price
0quoted sources, each dated
Well-known funders, as published on their own sites. Research, not partnerships: a funder listed here doesn't necessarily work with Openbook.
FunderAmountsMin. creditTime in businessPrice publishedProfile
Browse all 0 funders Compare any 3 side by side

By industry

Built around your industry's cash cycle

Trucking waits on freight bills. Restaurants take cards every day. Construction waits on retainage. The right funding follows how your money actually moves.
All 0 industries

Do the math yourself

Calculators that show the real numbers

No email required. Plug in an offer and see what it costs, what the payment does to your deposits, and whether paying early saves anything.
All calculators

Offer decoder

See the full cost of a factor-rate offer

Compare offers

Line up 3 offers on the same terms

Daily payment calculator

Size the daily or weekly debit

Holdback calculator

Estimate repayment on a % of sales
Guides owners read first

Straight answers

Questions owners ask before they apply

Still unsure? Browse the full FAQ or ask a funding specialist. There's no cost and no obligation.
All questions Request a call

One application, many funders

Know the cost. Then decide

Tell us what you need in about 3 minutes. We compare funders that fit and show every offer with its total payback, dollar cost, payment and estimated APR.

Check my options Request a call
  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.