Free tool
The Offer Decoder.
Put any funding offer in daylight. Type in the numbers from your offer and see exactly what it means, line by line.
The offer you got
Sample numbers shown, not ours. Type in the numbers from your offer.
Fees on the offer
In daylight
- Total you pay back
- $135,000
- Origination fee, taken out up front
- $2,500
- Underwriting fee, taken out up front
- $495
- Cost of this funding
- $37,995
- Cost for every $1 that lands
- $0.39
- Number of daily payments
- 200
- About how much per month
- $14,175
- Estimated last payment
- ...
What a slow month does
Normal month: payments are about 11.8% of revenue. If sales drop 30%, a fixed payment becomes 16.9% of revenue.
Ask any funder in writing: does my payment adjust when sales drop, how do I ask, and how fast do you answer?
Example math from the numbers you enter. Not an offer or a quote. Estimated end date counts business days only. Actual terms are set by the funder in your agreement.
Cash that lands
Fees taken out up front shrink what actually reaches your account. We show that number first.
Cost per dollar
What you pay for every $1 that lands, so two offers with different fees compare fairly.
The slow month
A fixed payment takes a bigger bite when sales drop. Drag the slider to see how much.
The Offer Decoder
What is the Offer Decoder?
The Offer Decoder is a tool for entering an offer you already received. It translates the terms into plain English so you can see what to ask and compare.
Can I use it for an offer from another company?
Yes. You can enter an offer you have received elsewhere and use the Decoder to help understand its terms.
What should I look for in an offer?
Look at the cash that lands, every fee by name, total payback, payment amount, term, and exit terms. The Decoder helps organize those details.
Does the Offer Decoder change or approve an offer?
No. It helps explain the information you enter. The funding partner is responsible for its offer and terms.
What if a term is missing or unclear?
Do not guess. Ask the company that issued the offer to explain it in writing before you sign. You can also ask your Goldhour specialist to help you frame the question.
Want a better offer to decode?
One application. We bring back every offer we find, side by side, in the same plain format.