🛡️ Not a lender or broker — no commissions
Find out if that funding offer helps your business — or hurts it.
See what that funding offer really costs — and whether your business can survive the payments. Enter your numbers and get your personal breakdown: the real cost, the daily cash-flow hit, and a clear verdict.
Contract analysis powered by Claude · Anthropic
As written about by
"Too many borrowers didn't really understand what they were signing up for… Instead of accepting that as just the way business is done, Ethan decided to try to do something about it."
— Ami Kassar, Founder & CEO of MultiFunding, author of The Growth Dilemma
· Read the article →
↓ See how a deal hits your business
No account needed. Whatever you enter is processed in memory and discarded after your analysis — never stored.
No statements needed
Enter your numbers and get the same full analysis — deal verdict, stress test, and side-by-side offer comparison.
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Tip: statement uploads get the ✓ verified badge — numbers checked against your bank's own math. Manual entries are marked self-reported.
👇 Choose how much detail you want
✍️Enter the Deal You're Considering
👇 Type in the offer they gave you — see exactly what it costs.
Average Monthly Revenue
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Daily Cash After Payments
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Paid Off In
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Where Does Your Money Go?
Out of your — monthly revenue
What If Your Revenue Drops?
Drag to simulate a bad month
20%
Daily payment vs. your revenue
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Revenue After Drop
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Status
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The Real Cost of This Deal
In plain numbers
You're borrowing—
You're paying back—
Cost of this deal—
Daily payment—
100% Free · No upload
Instant
Have an offer on the table? See what it really costs
Type in the numbers they're quoting you. You'll instantly see how much you actually get, what you pay back, and what it really costs you — in plain dollars.
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Quick Check · No Upload Needed
30-second check
Being offered a refinance or renewal? Catch the double dip
When a funder pays off your old balance with a new, bigger advance, they often charge interest again on the balance you already owed. Enter your numbers below — free, no statements needed.
ⓘ What is refinancing, and why it's usually a bad deal
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Why the full report
The lower factor rate is often the more expensive deal
Both advance $50,000. Offer A has the lower factor rate — so it looks cheaper. It isn't.
Looks cheaper — isn't
Offer A
Factor rate1.28 ↓ lower
Term5 months
You repay$64,000
True annual cost~115%
Actually cheaper
Offer B
Factor rate1.34 ↑ higher
Term11 months
You repay$67,000
True annual cost~58%
Offer A's factor rate is lower — but it's repaid in less than half the time, so the money costs nearly twice as much per year. A factor rate tells you nothing until you know the term. The full report does this math on every offer automatically — and checks whether the daily payment actually fits your revenue.
What the $24.99 report adds over the free calculator
Compare two or more offers, ranked by true cost
Checked against your real revenue, not estimates
Slow-month stress test — can you actually carry it?
Dangerous clauses flagged — confession of judgment, liens
The renewal "double dip" caught before you sign
Ask questions about your specific contract
The analysis is free — pay $24.99 only to unlock the full report · one-time · 15 days of access · secured via Stripe
Built to help business owners avoid expensive funding mistakes
Every analysis checks the things funders hope you'll miss — so you sign with clear eyes, not under pressure.
Real revenue, not inflated
We strip out transfers, loans, and prior advances to show the income a lender actually sees.
True cost & cash-flow impact
The effective rate with fees baked in, the daily payment burden, and whether your business can carry it.
Dangerous clauses caught
Confessions of judgment, personal guarantees, and blanket liens — flagged in plain English.
Pricing
Simple, honest pricing
No subscriptions required for owners. No commissions from anyone, ever.
For business owners
Single Deal
$24.99
one-time
See exactly what the offer on your desk does to your business. Pay once — full access for 15 days, no subscription.
Your personal breakdown — can your business actually carry this deal?
Bank statements or manual entry — your choice
Contract clause scan — confessions of judgment flagged
Stress test + renewal double-dip math
One-time payment · 15 days of access · Secured via Stripe
For professionals
Brokers · CPAs · Advisors
Pro
$89.99
/month
For pros who run deals every week — and want their clients to see the honest math.
Unlimited deal reports
Run client scenarios in minutes — statements or manual entry
Compare offers side-by-side for any client
Priority support, direct from the founder
Secured via Stripe · Cancel anytime · Questions? support@auditdeal.com
We're not a lender and take no commissions on any deal — on either plan. That independence is the product.
FAQ
Questions, answered
How is my data handled?
Your uploaded file is processed in memory and discarded the moment the analysis finishes — the document itself is never written to disk. It's sent over an encrypted HTTPS connection so it can't be intercepted on the way, and once the numbers are pulled out there's no copy of your statement left on the server to leak, sell, or share.
Do you store my bank statements?
No. The PDF is never saved, and your routing and account numbers are never even read or extracted — we only look at deposit totals and transaction descriptions.
How accurate is the analysis?
It pulls the exact figures straight from your documents with AI and reconciles the totals, so it's a powerful, fast starting point. Always confirm the final terms against your actual contract — AuditDeal is information, not legal or financial advice.
How long does the analysis take?
Seconds. Most analyses finish in well under a minute.
Do I need to connect my bank account?
No. You simply upload your own statements — there's no bank login and no third-party connection. Nothing touches your live account.
Can I use it before signing a funding agreement?
Yes — that's exactly the point. Analyze any offer before you commit, so you know precisely what you'd be signing.
