Independent money research
Plain-English reviews, comparisons, calculators and source-cited guides on business banking, spend cards, financing costs and tax reserves for the self-employed.
49 reviewed products · 6 scored reviews · 5 guides · 6 calculators · every score checked against the provider's own published terms
Latest research
Business Loans
Why a 1.30 factor rate can cost anywhere from about 37% to over 200% a year, what some states make providers disclose, and how to compare an advance with a loan.
By Carlos Gil · Updated Oct 31, 2026 · 10 min read
Recently reviewed
Each score is built from the provider's published terms and fee schedules, checked on the date shown. Other completed research is available without numerical scores.
43 completed reviews explain features, pricing and limitations without a numerical score. Browse the library
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Run the numbers
Factor rates, holdbacks, revenue shares and loan payments, turned into total cost, payment size and an estimated APR. Results are estimates for comparison; your provider's disclosed terms control.
Quick estimate
Total payback
$65,000
Estimated APR
109.3%
Assumes equal payments every business day (21 a month) and no fees. An estimate for comparison only; your provider's disclosed terms control.
Open the full calculator with these figures →Your figures stay in this browser tab.
Business finance
Banking, cards, funding and taxes for freelancers, creators, consultants, agency owners, ecommerce sellers and small-business owners.
How we review
Our sister publications share these editorial principles, and each publishes its own scoring method. Specialist-dependent financial interpretation follows a separate human-review policy.
Reviews are built from each provider's published terms, fee schedules and disclosures. We don't open accounts or apply for credit.
Every rate, fee and term links to its source, with the date we checked it.
We publish a score only in categories with a documented scorecard, once every scored field is verified. Completed reviews can be published without a numerical score.
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When we get something wrong, we fix it and note substantive corrections on the page, with the date.
From the editor
Founder & Editor, BestBalances
Carlos founded The Best Network and edits BestBalances. He's a marketer and business owner, and BestBalances is built for the people he works alongside: freelancers, creators, consultants and small-business owners who make their own money decisions.
His role is editorial: choosing what we cover, holding every page to the rules above, and correcting mistakes in public. He is not a financial adviser, CFP, CPA, attorney or lender, and BestBalances doesn't give personal financial, tax or legal advice. When a licensed professional reviews a page, we name them on it.
How reviews work
We may earn a commission when readers use certain links, and we may sell advertising or sponsorships. Provider links on our reviews say whether they're affiliate links. Compensation never changes a score, ranking or recommendation.
No. Our reviews are research-based: we read each provider's published terms, fee schedules and disclosures and check them on a stated date. We don't open accounts or apply for credit, and we never present research as hands-on use.
We score only categories with a published scorecard, and only after every scored field is verified. A completed unscored review explains scope, features, pricing and limitations using primary sources; a score is not a completion requirement.
No. BestBalances is an independent publisher, not a lender, broker, bank, card issuer or adviser. Use our research to compare options, then check the provider's current terms before you apply.
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