Independent, CPA-reviewed guides to business accounts, lending, card processing and payroll — with the fee schedules read and the APRs converted.
Small business finance is sold, not explained. A factor rate of 1.28 sounds cheaper than 18% APR; it usually is not. A 'free' business account with a $5,000 balance minimum is not free if your balance swings.
LedgerLift exists to make those comparisons in the same units. We read the fee schedule, model your actual transaction pattern, convert every financing offer to APR, and publish the rubric we scored against.
We are not a bank, lender or broker. We do not arrange credit, and we say plainly when the honest answer is that the cheapest option is not available to a business your size.
Where the money sits, what it costs to keep it there.
Lines, term loans, SBA and the expensive alternatives.
Card acceptance, processing cost and the fees nobody quotes.
Keeping records a lender or the IRS would accept.
Managing the money in between, plus the free calculators.
LedgerLift publishes general financial information, not financial, tax or investment advice. Rates, fees and terms change constantly and vary by applicant. Verify current terms with the provider and consult a licensed accountant or adviser before acting.