You asked for $200K.
Here’s what it really costs.
Most founders have no idea how much of their borrowing cost goes to wasted acquisition spend, intermediary commissions, and a system designed to be opaque. We’re breaking it down.
Today: What a $200K loan actually costs you
$200K
$26K
$10K
$5K
With Laminar — The fat gets cut
$200K
$26K
Today’s System
$41,000
Total cost on a $200K loan. $10K in acquisition waste, opaque pricing, origination fees, and manual processing add up to 20.5% of your capital — and you can’t see any of it.
With Laminar
$29,500
Same $200K. Transparent pricing. Pre-qualified leads mean lenders spend a fraction to reach you — and pass those savings on.
Savings Calculator
What would you save?
Today’s Cost
20.5% of your capital
With Laminar
14.75% of your capital
You Save
5.75% back in your pocket
Estimates based on industry averages. Actual savings vary by loan type, lender, and borrower profile.
How We Cut The Fat
We’re not just building a platform.
We’re re-engineering the cost structure.
Every dollar of unnecessary cost is a dollar that should be working for your business, not absorbed by an inefficient system.
Kill pricing opacity
Every offer is normalized — APR, factor rate, weekly repayment all translated into comparable terms. When you can actually compare, lenders can't hide behind confusing structures.
Saves ~$5,000 on a $200K loan
Pre-qualify before matching
Laminar screens and qualifies your business before sending your profile to lenders. They only see leads that match their criteria — no wasted time processing applications that don't fit. That efficiency gets passed on to you.
Saves ~$3,000 on a $200K loan
One profile, every lender
Build your data room once and apply to every lender simultaneously. No more uploading the same documents 8 times or filling out repetitive applications. Your time is worth more than that.
Saves dozens of hours per funding cycle
Cut $10K in acquisition waste
Lenders spend $10,000 on average to acquire a single customer — paying broker commissions, running marketing campaigns, and processing leads that don’t qualify or need a different product entirely. Laminar pre-qualifies and product-matches every founder before they reach a lender, so lenders stop burning money on dead ends. When their cost to acquire you drops, the savings get passed on in your rate.
Saves ~$6,500 on a $200K loan
Our Mission
Every founder deserves capital that costs less.
The current system wasn’t designed to be expensive — it just evolved that way. Manual processes, fragmented data, and a lack of transparency have compounded into costs that every founder absorbs. We’re re-engineering it from the ground up, one inefficiency at a time.