This decides whether a comparison range means anything. Some products have a published middle you can be measured against; most do not, and pretending otherwise is worse than saying so.

The offer

Enter it the way it was written down for you. If something is not mentioned in your offer, leave it at zero — and then go and ask about it.

How much are you being advanced? ($)

The loan amount, before any fees come out.

How is the offer expressed?

The repayment ($)

How often?

What is moving your price

These decide where in a lender’s range you land, and between them they explain most of the gap between the best price in the market and the one in front of you. Tick whatever applies.

You need it fast — days, not weeks. Speed is the single most expensive thing you can ask for. There is something on the credit file — a default, a judgment, an old arrangement. There is no property or asset security — the offer is relying on the business trading and the director guarantee. There is ATO debt, arranged or otherwise. The financials are behind, thin, or do not show the whole picture. The security is somewhere lenders are cautious about — a small town, a single-industry area, a specialised property. The asset is unusual, specialised or older — hard to value and harder to resell. The business is young — under two years on this ABN. Someone else is already secured against it — you would be second in line.

Terms that can matter more than the rate

Tick anything you can see in the offer. These do not change the arithmetic unless you enter a fee, but they change the risk of signing.

Personal guarantee from one or more directors/owners. General security / PPSR over the business assets, not merely the asset being bought. Minimum interest or minimum term even if you repay early. No clear early-payout rebate on a factor or fixed-total product. Default interest / dishonour / enforcement fees materially above the ordinary cost. Lender review, covenant or call rights that can change availability before the stated maturity. Cross-default or cross-collateralisation with another loan/security. I cannot tell from the offer. That is a reason to ask, not a reason to guess.

You have an offer. Is it a good one?

What kind of finance is it?

The offer

What is moving your price

Terms that can matter more than the rate