You've Seen the Alternatives. Here's What They Actually Cost You.
Every business owner considering funding has the same options. Most don't know what those options are really costing them. This page does the math.
Option 1
Your Bank
One institution. One opinion. Their products only.
✕Shows you their products — not the best products for you
✕Typical bank LOC: several points above prime plus origination and usage fees
✕On a $100K line: up to $14,170/year in costs
✕Turns you down when you need money most — banks lend to people who don't need it
✕One advisor who moves to the next file when yours closes
Real cost:Up to $7,000+/year in rate premium vs. 250-lender comparison
Option 2
DIY Scan Platforms
Fast. Transactional. No one in your corner.
✕Complete a scan, see options, pick one — done
✕No strategic guidance. No 18-question deep dive. No plan.
✕Funded and abandoned — no Phase 2, no Phase 3, no renewal management
✕You get whatever's fastest, not whatever's best for where you are
✕No one explains the difference between an MCA at 40% and a LOC at 7%
Real cost:$32,850+ in excess interest from taking the wrong product
Option 3
Business Credit Coaching
A $3,000 promise. Not a dollar funded.
✕Prepaid packages — $3,000+ before you see any result
✕Coaching on credit improvement, not actual funded capital
✕No lender network. No pre-underwriting. No funding execution.
✕You get a course, not money in your account
✕If you've tried this before, your skepticism is earned
Real cost:$3,000+ upfront with no guarantee of funding
Option 4
Private Investors
They want a piece of what you built.
✕Equity-based — you give up ownership or control
✕The partner you didn't want now expects returns
✕Not appropriate for operational capital needs
✕Due diligence process can take months
✕You built this yourself. Now someone else has a say.
Real cost:Ownership stake in your business — permanently
Option 5
Doing Nothing
The most expensive option of all.
✕Delay the hire. Don't buy the equipment. Slow the marketing.
✕Your competitor — who has capital — gains ground every day
✕If the business isn't growing, it's dying
✕The revenue you don't generate is the cost you never see
✕One client turned $35K into $625K in 30 days. What does doing nothing cost?
Real cost:The revenue you didn't generate — immeasurable
The Alternative to All of the Above
Fugio Founders Network
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250+ lenders— matched to your profile — not one bank's products
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Free plan— comprehensive funding strategy before a single dollar moves
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30-year experts— every consultation conducted personally by a strategist
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Multi-phase strategy— Phase 1 → 2 → 3 over 2 years, leveling up to better money
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Prime + 0.95%— best-in-class LOC rates vs. bank prime + 2-7%*
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$0 upfront— success-based fee only when you get funded
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Plan if declined— free funded action plan even if you don't qualify today
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24-48 hours— from sign-off to money in your account
Get Your Free Funding Plan →
No cost. No obligation. See what 250+ lenders have for you.
*Prime + 0.95% available in CA, NV, AZ, NM, MT, IL, NY. Other competitive products available nationally.