For every kind of business funding: MCA, factoring, lines of credit
Put in your numbers. In 60 seconds you’ll see your real APR, what it costs you every day, and whether your business can actually carry it. Free. No signup.
Nothing you type here is saved, sent, or seen by anyone. It runs on your phone.
Real APR is the annualized rate of your actual payment schedule, the number a funder is not required to show you. For comparison: SBA loans typically run ~10–13% APR; bank lines of credit ~8–14%.
Screenshot this label. Send it to your funder. Ask them to explain it.
Contract Check · Free
Upload your funding agreement, PDF or photos of every page. The software reads the factor rate, every fee, the confession of judgment, the default traps, and grades your deal A through F. No person ever sees your contract.
The clauses in this contract dropped your grade 3 full letters.
Files deleted right after reading (unless you save to your vault)
Read by software, never by people
Not legal advice, just the truth about your terms
Funding Compass · Free
Answer five questions. See every type of business capital ranked cheapest to most expensive, what each would really cost YOU, and which ones you’d realistically qualify for. No credit pull. No signup. Nobody reaches out to you.
Why this exists
I came to this industry late. 2024. Like most people who show up, I had heard about it for years and wanted to see it for myself.
What I found surprised me.
I assumed most MCA was funding growth. Expansion. Opportunity. What I actually saw was business owners who needed money right now. Payroll due Friday. A truck broke down. A large customer paid late. A tax bill arrived. Equipment failed.
These weren't growth calls. They were stress calls.
Then I noticed something else. The moment a merchant showed interest in funding, the phones started ringing. Calls, texts, emails, more calls, more promises. Every broker claimed the best offer. Every lead was supposedly exclusive and real-time.
Most of it wasn't true.
The same merchant was being called by ten, twenty, sometimes a hundred shops. The same lead, sold over and over. Every broker thought they had something exclusive. Most didn't.
The merchant had become the product.
What struck me most was the gap between what the industry was building and who it was building for. Better dialers. Better texting. Better CRMs. Better ways to reach merchants faster and more aggressively. An entire technology stack, all of it pointed at the merchant. None of it built for him.
No independent platform. No clear explanation of what funding actually costs. No way to understand what you were signing before you signed it. No place where the merchant's interest came first.
So we built one.
Gradino exists to give merchants something this industry never offered: transparency. A place to understand the real cost of funding. A place to read and understand a contract before signing it. A place that doesn't sell your information, doesn't flood you with calls, and doesn't profit from confusion.
Gradino isn't anti-broker. It isn't anti-funder. Funding plays a real role in keeping businesses alive. Gradino just makes sure the merchant has a seat at the table.
Everyone in this industry has someone looking out for them.
The merchant should too.
Every number on this site is real or it doesn't go on this site.
Most owners we talk to are running 2, 3, sometimes 5 positions at once. Stacking risk is what kills a business, not any single deal.
You'll enter up to 10 positions in about 3 minutes. No bank connection. No credit pull.
You'll see what's going out the door every day, what you're actually paying across all your deals, and which one is the problem.
No credit pull. No bank connection. We never reach out to you.
Built from real contracts, graded by real merchants. Published every quarter. Free to read forever. Funders with clean paper welcome it. The rest will have to earn their place.
Launched July 2026. These counters started at zero on day one and only count real merchants — no inflated numbers, ever.
We just launched. We’d rather show you a real zero than a fake thousand, you’ve seen enough fake numbers in this industry.
These counters are live and update as merchants join. Every number on this site is real or it doesn’t go on this site.
If your numbers show you’re overpaying and you ask us to, we let vetted funders compete to refinance you at a lower cost. If you switch and save, the new funder pays us a flat, published fee. If you don’t save money, nobody pays us anything. That’s the whole model, and it only works if we’re on your side.