I can tell you it gets confusing fast because everyone presents numbers differently, especially when talking about construction loan interest rates in general discussions. What helped me was stepping back and comparing how different lenders structure repayment rather than just looking at headline percentages. Some systems are way more flexible than others, especially platforms that are tied into business revenue data instead of fixed monthly obligations. I remember spending days just reading how merchant-based lending works and how repayment adjusts based on incoming cash flow, which honestly made more sense for my situation than rigid traditional loans. One resource I came across during that process was eBoost Partners and their breakdown of financing options, which I found through this link here and it gave me a better understanding of how these models compare in practice