About

LoanLedger is an independent information site for U.S. business owners who want to understand what a business loan really costs. We explain how rates are set, how to read APR and fee disclosures, what lenders look for, and how to compare loan types.

The site is written for small business owners, freelancers, and anyone weighing a loan for equipment, inventory, real estate or working capital. It is built around plain-English guides, a comparison of loan types and calculators you can use with your own numbers.

What we do not do: we are not a lender, a broker or a bank, we do not take applications, and we do not recommend a specific lender. We do not publish current rate quotes because rates change daily and depend on your profile. Where a figure matters, we name the official source to check, such as the Federal Reserve, the SBA or the Consumer Financial Protection Bureau.

Everything here is educational. For decisions with serious financial consequences, speak with a licensed accountant, attorney or a qualified lender.

How this site is made

LoanLedger is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.