Guides

Finance guides for founders

Plain-English guides to raising money and borrowing it. Each one works through a real example, shows the formula, and links to the free tool that runs it on your own numbers.

Updated 26 October 2026 · Educational, not financial advice

Raising equity

How SAFEs dilute foundersTwo SAFEs, a note and a pool top-up: 15 points before the new money ↗
The seed data room checklistWhat investors and lenders ask for, and in what order ↗

Borrowing

How to compare debt offersHow a “12%” loan costs 23.7% a year ↗
Venture debt vs revenue-based financingWhy revenue share gets dearer the faster you grow ↗
Borrow or raise? Debt vs equityThe exit where a loan becomes the cheaper money ↗

Run it on your numbers

Every tool is free to use, with no signup, and your numbers stay in your browser. Pro is a one-off payment per tool, or all three for $99.

See the tools Or start with: borrow or raise?