Business financing calculators
Four calculators, one method: every result is an estimated APR or an after-tax cost in today's dollars, worked out the same way regardless of how the offer was quoted to you. Start with whichever matches the financing you're looking at, or read the guides first if you want the reasoning before the numbers.
Merchant cash advance calculator
Turn a factor rate into an estimated APR, with fees and daily or weekly payments.
Business loan comparison calculator
Compare up to three offers by total cost and true APR, including origination fees.
SBA 7(a) loan calculator
Monthly payment, guaranty fee for the current SBA fiscal year, and the rate cap check.
Equipment lease vs. buy calculator
After-tax comparison with Section 179, bonus depreciation, FMV and $1-buyout leases.
Business line of credit calculator
Monthly interest cost, amortized payment, and total cost of drawing on a business line of credit.
Equipment financing calculators
Lease vs. buy comparison for skid steers, mini excavators, and heavy equipment — pre-filled with real market data.
Cost of employee calculator
Total employer cost including FICA, FUTA, and SUTA — by state new-employer rate — plus optional benefits.
Business valuation calculator
Enterprise value and equity value from SDE or EBITDA with a user-supplied multiple.
Section 179 vehicle deduction calculator
First-year §179 deduction and estimated tax savings for heavy pickups, cargo vans, heavy SUVs, and passenger autos — with 2025 IRS caps.
Invoice factoring calculator
Upfront advance, factor fee, reserve release, and annualized effective APR for any invoice amount, advance rate, and flat fee.
Break-even analysis calculator
Monthly break-even units and revenue from fixed costs, variable cost per unit, and selling price — with an optional profit target.
Profit margin calculator
Gross margin, markup, operating margin, and net margin — from revenue, COGS, optional operating expenses, and an optional tax rate.
Business DSCR calculator
Business debt service coverage ratio — the key metric lenders use to approve SBA and commercial loans. Shows whether you clear the 1.25× threshold.
Working capital calculator
Working capital, current ratio, and quick ratio — with lender threshold badges and the dollar gap to reach 1.5×.
Days Sales Outstanding (DSO) calculator
How quickly your business collects on invoices — with a benchmark rating and cash-freed estimate for any target DSO.
ROI calculator
Return on investment, payback period in months, total ROI over the investment lifetime, and NPV at your discount rate.
Inventory turnover calculator
Inventory turns per year and days inventory outstanding (DIO) — with a target turns rate to see cash freed by reducing inventory.
Days Payable Outstanding (DPO) calculator
How long your business takes to pay suppliers — with a target DPO to see the cash impact of extending or shortening payment terms.
Cash conversion cycle calculator
CCC = DSO + DIO − DPO: how many days of working capital your business needs to fund its operating cycle, in days and dollars.
Burn rate & runway calculator
Monthly net burn rate and cash runway in months — with a target runway to see how much cash you need to raise or save.
EBITDA calculator
EBIT and EBITDA from net income, interest, taxes, and D&A — plus EBITDA margin if you enter revenue. Used for loan underwriting and business valuation.
CAGR calculator
Compound annual growth rate from any start and end value — with benchmark rating and a target CAGR projection for revenue planning and lender presentations.
Operating cash flow calculator
OCF and free cash flow from net income, D&A, and working capital changes — the indirect method used in GAAP statements and SBA loan underwriting.
Loan prepayment calculator
Interest saved and months cut by adding extra principal payments to a business loan — with SBA prepayment penalty context.
Workers' comp premium calculator
Estimate annual workers' compensation premium by NCCI class code, payroll, and experience modification rate — with an EMR scenario comparison.
Business sale net proceeds calculator
Net proceeds after broker fee, assumed debt, and capital gains tax — model all-cash, seller finance, or earnout deal structures.
Franchise ROI calculator
Project net income, royalty burden, and break-even year from FDD inputs — compare two franchise opportunities side by side.
CRE loan calculator
Monthly payment, balloon payment, total interest, and DSCR for any commercial real estate loan — supports partial amortization and balloon structures.
Import duty and landed cost calculator
Total landed cost from FOB price, HTS duty rate, CBP fees (MPF + HMF), freight, broker, and drayage — with per-unit cost breakdown.
Not sure which one applies?
Priced as a factor rate (like 1.35) that you multiply by the advance? Use the merchant cash advance calculator. Quoted as an interest rate, a flat rate, or a total amount to repay? Use the loan comparison calculator, which also accepts an MCA's numbers if you want to put the two side by side. Backed by the Small Business Administration? Use the SBA 7(a) calculator. Deciding whether to lease or buy equipment? Use the lease vs. buy calculator.
Also: which states require cost disclosures on business financing, and the factor rate to APR table for a quick lookup.