Know what a funding offer really costs — before you sign.
Upload your bank statements or just enter the deal. In seconds, AuditDeal shows your real revenue, the true cost, and whether your business can actually handle it.
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Example analysis
🚫
Verdict
Walk away — this deal is dangerous
Real revenue (fake stripped out)$182,400
Cash-flow impact⚠️ Underwater
Deals compared2 side-by-side
Dangerous clauses3 found
📂
Upload your statements
We read your deposits and strip out transfers, loans, and prior advances to get your real revenue.
💼
Enter the deal
Plug in the advance amount, factor rate, and payment terms you're being offered.
✅
Get your verdict
See the true cost, daily cash impact, and whether your business can actually handle it — before you sign.
No account needed. Your statements are never stored.
100% Free · No upload30-second check
🔄 Being offered a refinance? See what it really costs
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.
Refinancing (sometimes called a "renewal") is when your funder pays off what you still owe and replaces it with a new, larger advance. It feels convenient — but the catch is they charge their factor rate on the entire new amount, including the old balance you were already paying off. So you end up paying interest twice on the same money.
The smarter move: ask for an add-on instead. An add-on gives you extra money on top of your current advance — without paying off and re-charging the balance you already owe. You only pay interest on the new money. If you genuinely need more cash, an add-on almost always beats a refinance.
$
$
New Cash You Actually Get
—
after paying off your old balance
New Total Payback
—
what you'll owe on the new deal
Refinance Penalty
—
extra interest on your old balance
↓ Or get the full picture — upload your statements
Drop your bank statements here
Works with statements from all major banks
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Queued Statements
Saved Businesses
🔓
See the full breakdown
Unlock the exact numbers — what this deal costs you per month, how much you keep, the stress test, and the full cost breakdown.
⚠ Excluded from Revenue (Transfers / Loans / Non-Operating)
Total excluded: $0 — these deposits were removed from your revenue calculation because they appear to be transfers, loans, or advances.
Monthly Revenue
Not enough date data for chart.
MCA Simulator
1.45
Can You Afford This Deal?
Cash Flow Used
of daily revenue
Revenue Drop Stress Test
What Happens If Revenue Drops?
Drag the slider to simulate a slow month and see how it affects your ability to handle payments.
20%
Reduced Revenue
—
Cash Left After Payments
—
% Goes to MCA
—
MCA Cash Flow Impact
Where Your Money Goes Each Month
Based on your avg monthly revenue of — — how much the MCA takes vs how much you keep per month.
Compare Two Offers
Side-by-Side Offer Comparison
Got multiple offers? Enter the details below to see which one is actually better for your business.
Offer A
Offer B
Metric
Offer A
Offer B
MCA Impact Analysis
Payback Breakdown
Total Payback—
Cost of Capital—
Cost as % of Avg Monthly Revenue—
Daily Payment—
Weekly Payment—
Monthly Payment—
Days to Payoff—
Months to Payoff—
Approx APR—
Why does APR look so high?
Cash Flow Leverage
Avg Daily Revenue—
Daily Cash After MCA—
Avg Balance Before MCA—
Est. Balance After 1 Month of Payments—
% of Daily Revenue to MCA—
Total Payback as % of Revenue—
🚨 Bad Deal Warning
BEFORE YOU SIGN — ASK FOR:
Our Mission
Why We Built This
What it does
AuditDeal helps small business owners see the truth behind a merchant cash advance or business loan before they sign. Upload your bank statements and our AI strips out fake revenue — transfers, loans, and prior advances — to show your real average revenue and daily cash flow.
Then it simulates exactly how an MCA or loan will hit your account day by day: the real cost, the effective APR, a stress test, and a clear risk verdict. Upload a contract and it reads the fine print for you, flagging the dangerous clauses — confessions of judgment, personal guarantees, blanket liens, and hidden fees — in plain English.
The MCA industry thrives on confusion. AuditDeal exists to remove it, so owners can make a clear-eyed decision instead of a rushed one.
Why we built it
AuditDeal was built after seeing how easily small business owners get pulled into predatory funding deals they don't fully understand. The numbers are buried, the contracts are dense, and the pressure to sign is high.
Our goal is simple: give every owner the same clarity a financial expert would — instantly, affordably, and on their side. No brokers, no spin. Just an honest look at whether a deal makes sense for your business.
AI Contract Review
Know exactly what you're signing before you sign it.
Upload one MCA or loan contract — or several to compare side-by-side. Our AI shows you the real cost, the dangerous clauses, and a plain-English breakdown a lawyer would charge hundreds for.
💰 True Cost & APR
⚖️ Confession of Judgment
📊 Compare Offers
🔒 Never Stored
Drop your funding contract here
One contract for a deep read · Or several to compare side-by-side
PDF contracts
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Contract Ready
100% Free · No uploadInstant
🧮 Don't have the PDF? Just enter the deal
Type in the numbers they're offering and see the real cost instantly — bank fee %, interest, your true cost with the fee baked in, and total payback.
$
$
Bank Fees
—
% of the advance
Total Payback
—
what you'll owe in full
Interest
—
markup on the advance
Interest With Fees
—
your true cost, fees included
⚠️ The numbers are only half the story
This deal could still hide a confession of judgment, personal guarantee, or blanket lien that puts your business and personal assets at risk. Upload the contract above to catch the dangerous clauses, get a clear verdict, and ask Claude anything about it.
Side-by-side comparison
Comparing your offers
The card highlighted in green is the cheapest deal on the cash you actually receive.
Unlock the full breakdown — the real cost, the effective interest rate, every dangerous clause, whether your business can actually afford it, and direct questions to Claude about your deal.
Upload your bank statements and we'll check this deal's payment against your real daily revenue — so you know if it fits before you sign.
Do you already have any advances or loans?
This is the most important number. If you already have advances pulling from your account, a new one stacks on top. Enter what your current advances/loans take.
$
in existing payments
Your Avg Daily Revenue
—
from your statements
Total Daily Payments
—
existing + this new deal
Left After Everything
—
your daily cash cushion
The Real Interest Rate
Headline Rate
—
interest ÷ deal size
Effective Rate
—
interest ÷ cash received
Est. APR
—
annualized cost
Money Breakdown
Deal size (advance)—
Origination fee—
Cash you actually receive—
Total payback—
Interest (extra paid)—
Factor rate—
Payment Terms
Payment amount—
Frequency—
Term—
Document type—
In Plain English
💬 Ask Claude about this contract
💬🔒
Ask Claude anything about your deal
Like "What happens if I miss a payment?" or "Is the factor rate negotiable?" — straight answers tied to your specific contract. Included with the full report.
Claude
Powered by Anthropic · Answers specific to your deal
— questions left
Not legal advice · 7 questions per report
Contact
Questions about the platform?
Technical issues, billing, feedback, or a bank we don't support yet — reach out and we'll help.
AuditDeal is an informational tool only.
Nothing on this website — including AI-generated analysis, risk verdicts, APR estimates, clause summaries, or chat responses — constitutes legal advice, financial advice, accounting advice, investment advice, or credit counseling of any kind.
Use of this service does not create an attorney-client relationship, an advisor-client relationship, or any other professional relationship between you and AuditDeal.
AI analysis may contain errors.
Our analysis is generated by artificial intelligence and is based solely on text extracted from the documents you upload. AI can misread, misinterpret, or fail to extract information — especially from scanned or non-standard documents.
Always verify all figures, terms, and clauses directly against your original contract or bank statements before making any decision.
A "workable" or green verdict does not mean a deal is right for your business, legally sound, or free of risk. A "walk away" or red verdict does not mean a deal is illegal or that you have any legal recourse.
You are solely responsible for your decisions.
AuditDeal provides information to help you ask better questions — not to replace professional judgment.
Before signing any financing agreement, you should consult a licensed attorney familiar with your state's laws, a certified public accountant, or a qualified financial advisor.
AuditDeal expressly disclaims all liability for any loss, damage, or harm arising from reliance on information provided by this service.
AuditDeal is not affiliated with, endorsed by, or acting on behalf of any funder, broker, lender, or financial institution.
Analysis reflects only what is contained in the specific document analyzed — it is not a characterization of any funder's business practices generally.