Solve the sell rate from your buy rate on equipment-finance and working-capital structures, prove it to the penny, protect your economics in the proposal, and collect with a branded commission statement—all in one browser tab.
TermIQ · Quote BuilderTermIQ turns a complex pricing conversation into a controlled, client-ready experience. The rep keeps the momentum, the lender keeps the economics private, and the customer gets a clear answer.
Go beyond a basic payment calculator. Price the actual transaction the customer is asking for.
Change term, frequency, rate, or structure and see the impact while the customer is engaged.
Move from pricing to presentation without rebuilding the deal in another system or document.
TermIQ gives the rep the depth of a pricing desk without turning the customer conversation into a back-office handoff.
Step payments, skips, advances, residuals, IO periods, fees, and odd terms stay inside one coherent pricing model.
The rep sees the economics. The customer sees payments unless the lender deliberately chooses otherwise.
Compare options, reverse-solve a budget, and move directly into a branded proposal.
12 months · monthly
18 months · monthly
24 months · monthly
TermIQ disappears behind the lender’s identity. Customers receive a polished proposal from the institution and rep they already trust.
TermIQ is a standalone pricing aid that runs in the approved browser. The deal math executes locally, so pricing never leaves the browser. Saved quotes sync encrypted to the rep’s seat and can be deleted at any time.
Every calculation executes locally — nothing is transmitted while you price a deal. Saved quotes sync encrypted to your seat, are deletable on demand, and are never used for analytics, advertising, or model training.
Run in Edge or Chrome, install into its own window, and deploy by browser policy or Intune.
After first use, the quoting experience is available in branches, basements, airplanes, and weak-connectivity environments.
Activating a license on another device ends the previous session, protecting per-seat revenue server-side.
Most finance reps still price in one tool, rebuild the schedule in another, format the customer proposal somewhere else, and chase their commission by email. TermIQ runs the whole chain in one browser tab: solve the sell rate from your buy rate and compensation target, prove it with a to-the-penny schedule on Canadian, U.S. Rule, or Rule of 78 conventions, deliver a white-label proposal that never exposes your economics, generate the commission statement that gets you paid, and track every deal, your volume, and your commission YTD. No quote or proposal usage credits.
Enter the funding source's buy rate and your points or commission target. TermIQ solves the customer rate — discounting the actual stepped, skipped, advanced cash flows, not a level approximation — and proves it with a to-the-penny schedule.
Customers see payments, terms, and structure. Your buy rate, points, commission, and lender advance never reach the proposal — excluded by design, not redacted — unless you decide otherwise.
A branded commission statement on every funded deal: gross spread, broker split, doc-fee shares and adjustments, payment method and date — the documentation the funder needs to pay you.
The Commission Tracker add-on logs projected and booked deals month by month — points, overrides, net doc fees — and shows volume, commission, and bonus YTD against your budget, saved to your seat on every device.
Buy rate in, customer proposal and commission statement out. No re-keying, no separate subscription, no installation project.
| Capability | TermIQ | Typical proposal platform | Traditional amortization tool | Spreadsheet workflow |
|---|---|---|---|---|
| Equipment-finance and working-capital structures | Purpose-built | Not the core use case | Strong finance math | Custom formulas |
| Step payments, skips, IO periods, advances, and residuals | Built in | Not the core use case | Strong, product-dependent | Manual modeling |
| Base rate, sell APR, points, and commission target | Solved together | Not the core use case | Varies by product | Manual formulas |
| White-label payment proposal with rate privacy | Native | Proposal-focused | Limited or manual | Manual document |
| Quote and proposal usage limits | No usage credits | Often plan or credit based | Proposal not core | No platform cap |
| Save and reload quote work | Synced to your seat | Cloud workspace | Files or schedules | File based |
| Deal inputs sent to a vendor system | Math local; saved quotes sync | Typically cloud processed | Varies by version | Depends on storage |
| Solve the sell rate from a buy rate and points target | Native | No pricing engine | Payment math only | Manual trial and error |
| Buy rate, points, and commission hidden from the customer document | Structural | Manual redaction | Not applicable | Manual redaction |
| Commission statement for funded deals | Included | Not offered | Not offered | Manual document |
| Deal and commission tracking by month and YTD | Add-on | Not offered | Not offered | Manual tracker |
| Lender rate cards imported and enforced across the desk | Team tier | Not offered | Not offered | Uncontrolled |
| Published methodology with reconciliation guide | Native | Not offered | Not offered | Not applicable |
| Self-serve free trial | 3 days, no card | Varies by vendor | Typically 14 days | Not applicable |
| Money-back guarantee | 30 days | Varies by vendor | Varies by vendor | Not applicable |
Unlimited quote calculations and proposal generation, starting at $9.99 per month.
One seat solves the sell rate, proves the schedule, and protects your economics in the proposal — with commission statements and the Commission Tracker as small add-ons. Start with a rep, prove the value, then equip the desk.
Start a 3-day free trial — no card requiredMaximum flexibility for an individual rep or pilot.
3-day free trial · 30-day money-back guarantee
One invoice and the lowest effective monthly cost.
3-day free trial · 30-day money-back guarantee
Equip the whole desk in one checkout — your own administrator issues and revokes the seats.
Commission statements included on every team seat. Prefer an invoice? sales@termiq.app
For pilots, desk-wide adoption, or a deeper product discussion, reach us at sales@termiq.app.
No. Each license permits one active session. Activating the same key on another device ends the previous session, so each rep needs a seat.
Yes. Upload your logo, set your company name, customize the language, select payment options, and add the rep’s name. Customers do not need to see TermIQ.
Not by default. Customers see the payment, term, structure, and fees. The rate is shown only when the rep deliberately turns it on.
No. It is a standalone pricing aid. Quote calculations run in the browser; saved quotes sync securely to your seat or team so they follow you across devices. Reps should still verify pricing against approved rate cards.
Yes. A compute-options panel covers Normal compounding, the Canadian semi-annual (or annual) statutory basis, U.S. Rule simple interest, and Rule of 78 allocation — plus 365/364/360-day years, actual or 30E/360 date counting, and odd-days interim interest from the funding date. Every option runs in the browser like the rest of the calculator.
Yes. A payment-timing toggle switches between in-arrears and in-advance conventions, and the advance-payments count supports first-and-last and multi-advance structures. Timing, advance amounts, and interim interest all flow through to the amortization schedule and the client proposal.
Yes. TermIQ is an installable progressive web app for Edge and Chrome. IT can deploy it with Intune or browser policy without packaging an MSI.
No. TermIQ does not meter quote calculations or proposal generation with document credits. Saved quotes sync to your licensed seat; quote calculations themselves always run locally and are never metered.
Yes, with the commission statements add-on — $3 per seat per month or $30 per year, selectable at checkout. Generate a branded commission statement on any funded deal to send the funder for payment — gross spread, broker split, adjustments like doc-fee shares or processing fees, and the payment method and date. Funders and lenders can also use it to document what they owe a referring broker.
Yes. Saved quotes sync encrypted to your license, so signing in on another device brings your quote library with you. Team seats additionally share a team library with version history, managed by your administrator. You can delete any saved quote at any time. Demo sessions never sync — nothing a prospect types in a demo is stored on TermIQ servers.
No. TermIQ replaces the core pricing, amortization, proposal, and commission-statement workflow. It is not an LOS, CRM, underwriting, e-signature, documentation, or servicing platform.
Start with the 3-day trial — no card required, full features, and your link arrives by email. If you subscribe annually and change your mind, email sales@termiq.app within 30 days of the first charge for a full refund; monthly plans get the first month refunded on request in the same window.
Yes — in beta. Eleven states now require commercial financing disclosures, and TermIQ can screen a deal for coverage and generate a draft disclosure with the actuarial APR computed from the actual cash flows, directly from the priced quote — on your letterhead, with room for your own standard terms and disclosures. Drafts require your verification and your counsel's review before delivery — TermIQ provides the calculation and the document scaffold, not legal advice.
Monthly plans: cancel from the Stripe receipt at any time; the seat stays active through the paid month and then deactivates. Annual plans are a fixed one-year term paid up front — they can't be canceled mid-term, and they don't auto-renew: the seat simply ends at the close of the year unless you choose to renew.
See how TermIQ handles a real structure, compares the options, and produces the proposal in one continuous workflow.
Enter the email on your license and we'll send a one-time sign-in link — nothing to type. Signing in ends any other active session on this license, so switching computers is automatic.
Have your license key handy? Sign in with it directly:
Lost your key? Enter your email above, then email it to me.
Demo links are personal and single-use. Tell us where to send yours and we will follow up with access.
Prefer email? Write to sales@termiq.app.
Full features, no card required. Your personal link arrives by email and works in one browser — the 3 days start when you first open it.
Prefer a guided demo? Request one or write to sales@termiq.app.