Independent reviews · published rubric
Funding, phones, benefits, payments, software, insurance. We publish the scoring rubric, we say who pays us on every single review, and we tell you when the right answer is to buy nothing at all.
3 products reviewed · 8 categories · no email required for any tool.
Directional estimate from published figures, not an audit. This is one of 6 calculators — see all tools. Assumptions are listed in full on each category page.
Eight categories covering where small business money actually goes. We open a category when we have something to say that a vendor's own page does not already say.
Working capital, cards, factoring, and the cost of each. Including when the right answer is to borrow nothing.
02Answering services, AI voice agents, scheduling and CRM. The gap between a lead arriving and a human responding.
03Payroll, health benefits, retirement and retention. What a benefit costs versus what a raise costs.
Card processing, terminals, invoicing and surcharging. Effective rates rather than advertised rates.
Field service, bookkeeping, scheduling, inventory. What each seat actually costs once you are locked in.
General liability, workers comp, commercial auto, cyber. Coverage gaps that only surface at claim time.
Local SEO, reviews, ads and lead sellers. Cost per acquired customer, not cost per click.
Entity setup, registered agents, contracts and compliance filings. Mostly cheap until it is not.
The badge on each row is the important part. Two of these are our own companies, and we say so before we say anything else.
Fast unsecured capital at a genuinely high price, honestly disclosed.
We own thisAnswers the phone 24/7 and books into your calendar for a fraction of a receptionist.
We own thisReal benefits funded by payroll tax savings — if the structure holds up under your CPA.
Pays us commissionMost review sites hide the affiliate relationship in a footer nobody reads and publish a score with no working shown. We do the opposite, because a scoring system you can audit is the only version of this that is worth anything.
Every assumption on screen. No email gate.
Enter revenue and headcount. Returns an annual figure for unanswered calls, cost of card-funded growth, and healthcare…
Run it →02Close rate × average ticket, with realistic per-call values for nine trades and the break-even count against a…
Open the tables →03What a 1.2 factor actually costs annualized, why the number moves with term length, and how to compare it against a…
See the math →Fifteen guides across funding, phones and benefits — including the ones that talk you out of it.
A side-by-side comparison of merchant cash advances, SBA and bank term loans, and business lines of credit — on real cost, speed, risk…
11 minMissed callsThe four-input formula for pricing a missed call, realistic per-call values for nine trades, and how to find the two numbers you do…
9 minBenefitsThe mechanism behind zero-net-cost employee benefit programs, where the money genuinely comes from, and the eleven questions to put to…
10 minAn independent review site for the things small businesses actually pay for — funding, phone handling, benefits, payments, software, insurance, marketing and legal filings. We score products against a published five-criteria rubric and state our commercial relationship on every review.
Three ways, and every review says which one applies. We own two of the products we cover and profit if you buy them. Some links pay us affiliate commission at no extra cost to you. Many products we cover pay us nothing at all. The rubric is fixed and published so a score can be checked against it.
Yes, and we intend to review far more of them. A comparison containing only advertisers is a directory, not a comparison.
Yes, and none of them require an email address to return a result. Every constant used is displayed on screen and sourced.
Five weighted criteria: value for money (25%), pricing honesty (25%), small business fit (20%), support and exit terms (15%), and evidence quality (15%). Each is scored 0–10 and combined into a score out of 100. Full rubric at /methodology.
Yes. Every category page has a request link. We prioritise things small businesses are being actively sold, especially where the real price is hidden behind a sales call.
Tell us what you are being sold and we will review it. Especially the ones where you cannot find the price without a sales call.