Compare
Working capital
vs. term loan
Both have fixed payments. The difference is how long, how often, and how fast. Here's how they compare.
Side by side
Illustrative. Your offer depends on revenue, time in business, and lending partner.
Funding cost calculator
Advance
Total payback$195,000
Avg. monthly outflow$21,667
Term loan
Total repaid$195,223
Monthly payment$5,423
Difference in total cost$223 less with the advance
Illustrative only. Not an offer or a quote. Compare total cost and monthly outflow, not just the headline rate.
Rule of thumb
Match the term
to the asset
If the spend pays back within a year, working capital fits. If it pays back over years, a term loan usually costs less.
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