Guides & Playbooks
The math behind the math.

Each calculator does the arithmetic. These guides explain when to actually use it — closing-cost gotchas, when consolidation backfires, why a 1.4 factor rate is a 78% APR. Written by humans, sourced from CFPB, SBA, and Federal Student Aid.

Mortgage & Home Buying

Closing costs, LTV thresholds, refinance timing.

Mortgage

First-Time Home Buyer: The 2026 Math

Closing costs you didn't know about, LTV thresholds, and why 5% down usually beats 3%.

Personal & Household Debt

Consolidation, credit-score levers, payoff strategy.

Personal

Debt Consolidation Without Getting Trapped

When a consolidation loan actually saves money, and the four fees that eat most of the win.

Business & Working Capital

SBA, term loans, MCA, factoring.

Business

Merchant Cash Advance vs. Term Loan

A factor of 1.4 over 9 months is a 78% APR. Here's how to see through the sales pitch.

Guides & Playbooks The math behind the math.