Copperline HVAC FM-4820 · $32,500 requested · 3 lender offers
NX
Recommended
Nexlink Capital
$38,000Approved amount
MF
Meridian Funding
$32,500Approved amount
CB
Copperbridge
$35,000Approved amount
Term
12 months
6 months
18 months
Factor
1.34×
1.28×
1.42×
Total payback
$50,920
$41,600
$49,700
Payments
Weekly ACH
Weekly ACH
Bi-weekly ACH
Payment
$979/wk
$1,600/wk
$1,275/2wk
Origination
2.0%
3.5%
2.5%
Your commission
$3,420 · 9%
$2,275 · 7%
$3,150 · 9%
Est. APR
54%
56%
58%
Prepay
No penalty · discount
10% early buyout
3% penalty
Offer expires
Sep 11 · 6pm
Sep 10 · noon
Sep 12 · 6pm
Contract ready
✓ Auto-generated
Manual · 24h
Manual · 12h
AI recommendation · 88% confidence
Nexlink is the cleanest fit — largest approved amount, longest term, no prepay penalty, and 9% commission. Meridian's 6-month is fast to pay off but cash-flow stresses at $1,600/wk. Copperbridge is bigger commission on paper but higher factor and prepay friction reduce broker relationship value long-term.