How we make money
The short version: the tools are free, and today CloserToDone earns nothing from them. Here's the longer, honest version.
The current model
CloserToDone's tools are free to use. Right now there are no partner integrations, no sponsored placements, and no referral links anywhere in the product. CloserToDone does not currently earn referral or affiliate revenue.
The intended future model
In the future, CloserToDone may receive compensation when a user independently chooses to continue with a partner — for example, by clicking a clearly disclosed partner link after seeing their results. If that happens, we will say so plainly, next to the link itself.
The rules that model operates under:
- Compensation never determines a calculation. The math is computed from your inputs before any partner content exists on the page.
- The calculation and analysis code cannot read partner or payout data. They are separate systems by design.
- Your full result is always shown before any partner suggestion.
- You are never required to use a partner.
- Sometimes the useful answer is a non-monetized one — an official resource, a different structure, borrowing less, waiting, or not borrowing at all. A result that earns CloserToDone $0 can still be a successful outcome.
SBA content
Where SBA-backed financing is relevant, CloserToDone explains it and points to official resources such as SBA Lender Match, SBDC, or SCORE. SBA-related guidance is educational and is not monetized at launch.
Why build it this way
CloserToDone only works if the numbers can be trusted more than a lender funnel. We'd rather show you an honest “don't borrow for this yet” than steer you somewhere because it pays.