The first loan marketplace that shows total cost vs monthly payment trade-offs in real time. Compare 15+ lenders, get a personalized payoff timeline, and know your exact savings before you apply. Built for people with $10Kβ$50K in credit card debt who deserve an honest answer.
46 million Americans carry credit card debt at 17-34% APR. When they ask "should I consolidate?", every answer is a sales pitch. Banks push their own loans. Comparison sites push the highest-commission offer. Nobody shows the actual math.
This is the question every borrower asks β and the one nobody answers honestly. A lower monthly payment often means MORE total interest over a longer term. Current tools hide this trade-off behind a single "estimated savings" number.
Credit Karma, NerdWallet, and Bankrate earn commissions based on loan volume and APR. The incentive is to show you the highest-rate loan you'll accept β not the best loan for your situation. No platform is truly neutral.
The average borrower applies to 3.2 lenders before finding one they qualify for. Each application is 15-20 minutes. Most give up after two rejections. A single application that matches you to the right lenders eliminates this pain.
58% of consolidation borrowers re-accumulate credit card debt within 2 years. Why? Because nobody taught them the difference between treating the symptom (the monthly payment) and the disease (the spending pattern). Education is the missing piece.
Many consolidation loans charge 3-8% origination fees. On a $30,000 loan, that's $900-$2,400 taken off the top before you've saved a penny. Most comparison sites bury this in fine print. Our platform surfaces it front and center.
APR, simple interest, precomputed interest, variable vs fixed, promotional rates β the average borrower has no framework to compare offers. They pick the lowest monthly payment and assume that means they're saving money. It often doesn't.
For a real scenario: $25,000 in credit card debt across 3 cards averaging 22% APR. Minimum payments total $625/month. Here's what consolidation actually looks like:
This is the comparison every borrower should see before applying. $200/month more in payments saves $23,600 in interest and eliminates debt 4 years sooner. Without this side-by-side view, most people choose the first offer they qualify for β without ever seeing what they're leaving on the table.
A web platform where users input their debts once and see real loan offers from 15+ lenders β compared apples-to-apples on total cost, not monthly payment. Built-in financial education that explains the trade-offs in plain English. No affiliate bias. No fine print buried.
User inputs debt details and credit profile once. Our soft-pull engine queries 15+ lenders simultaneously. User sees 3-8 real, actionable offers ranked by total cost β not by which lender pays us the highest commission.
Every offer shows: monthly payment, total interest over the full term, origination fees in dollars, prepayment penalties, and effective APR including all fees. The "cheapest monthly payment" is NOT the default sort β total cost is.
Interactive slider: adjust the loan term and watch total interest change in real time. See month-by-month: how much goes to principal vs interest. Compare "payoff date with consolidation" vs "payoff date without" β the strongest motivator to commit.
Before showing offers, the platform walks users through: how interest actually works, why lower payments can cost more, the difference between consolidation and debt settlement, and the #1 predictor of whether consolidation works (it's not credit score β it's whether you have a budget).
All pre-qualification is soft-pull only β zero impact on credit score. Hard pull only happens when the user explicitly selects a lender and clicks "Apply." Users can browse offers without fear of damaging their credit.
Lenders pay a flat 1-3% referral fee on funded loans. The fee is the same regardless of APR β we have zero incentive to push higher-rate offers. Users see the best loan for their situation, period. This is the structural fix that Credit Karma can't offer because their revenue depends on pushing credit cards.
Revenue from lender referral fees (1-3% of funded loan amount). Conservative assumptions: 2% average fee, 16% conversion from offer view to funded loan. Marketing via SEO, paid search, and financial influencer partnerships.
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Monthly Unique Visitors | 25,000 | 85,000 | 210,000 |
| Offer Views per Month | 3,750 | 14,500 | 42,000 |
| Funded Loans per Month | 600 | 2,320 | 6,720 |
| Avg Loan Size | $22,000 | $23,500 | $24,000 |
| Avg Referral Fee (2.0%) | $440 | $470 | $480 |
| Monthly Revenue | $264,000 | $1,090,400 | $3,225,600 |
| Annual Revenue | $3,168,000 | $13,084,800 | $38,707,200 |
| Engineering & Ops | ($720,000) | ($960,000) | ($1,440,000) |
| Compliance & Legal | ($360,000) | ($480,000) | ($600,000) |
| Marketing & SEO | ($600,000) | ($1,800,000) | ($4,200,000) |
| Infrastructure | ($120,000) | ($180,000) | ($300,000) |
| Customer Support | ($180,000) | ($360,000) | ($720,000) |
| Net Profit | $1,188,000 | $9,304,800 | $31,447,200 |
| Profit Margin | 37.5% | 71.1% | 81.2% |
$1.14 trillion in US credit card debt. 46M Americans carry a balance month-to-month. Average APR: 22.8%. The consolidation loan market originates ~$180B annually. A platform capturing even 0.5% of originations is a $900M/year business.
"Debt consolidation loan" = 135,000 monthly searches. "Best debt consolidation" = 49,500. "Consolidation vs balance transfer" = 12,000. Current SERPs dominated by NerdWallet, Bankrate, and Forbes Advisor β all affiliate-biased, all light on real math. A tool-first approach wins.
64% of consolidation loan searches happen on mobile. The average borrower is 34-48 years old, employed full-time, and looking for a fast answer. A mobile-optimized calculator that shows savings in 30 seconds converts at 2-3x industry average.
The CFPB's 1033 rule (open banking) requires lenders to share loan data with consumers. This creates the infrastructure for real-time rate comparison that doesn't exist today. First movers who build the integration layer own the market.
It depends on three things: the interest rate you qualify for, the loan term, and whether you stop accumulating new debt. Our platform shows you the exact math β total interest paid with consolidation vs without β so you can decide with real numbers, not a sales pitch. For someone with $30,000 at 24% APR credit card debt who qualifies for a 12% consolidation loan, the savings are typically $8,000-$14,000 over the life of the loan.
Most lenders require a minimum score of 650 for competitive rates. Below 650, you may still qualify but at higher rates β our platform shows you offers you actually qualify for based on soft credit pulls that don't affect your score.
Those sites show you ads for loans. We show you the math. Our platform calculates total cost over the full loan term, compares consolidation vs your current payoff path, and shows a personalized month-by-month timeline. No affiliate bias β lenders pay us a flat fee per funded loan, so we have no incentive to push higher-rate offers.
We integrate with 15+ lenders including SoFi, LightStream, Upgrade, Best Egg, Discover, and Marcus. Each user sees 3-8 real offers based on their credit profile. We don't show offers you don't qualify for.
We earn a flat referral fee (1-3% of loan amount) from the lender when a user funds a loan through our platform. This fee is paid by the lender, never by the user. Our education content and comparison tools are completely free.
Full business case: lender integration architecture, compliance roadmap (CFPB 1033, TILA, ECOA), financial model, SEO content strategy, and 90-day launch plan β Β£49.
Nobody claimed this opportunity. Sovael Studio launches internally in 30 days if no buyer emerges.