Business Resources & Tools
Free calculators, guides, and educational content to help Nevada your business succeed
Financial Calculators
Make informed decisions with our free financial calculators
Loan Payment Calculator
Calculate monthly payments, total interest, and true cost of a loan.
- ✓Monthly payment estimates
- ✓Total interest calculation
- ✓Adjustable term length
DSCR Calculator
Calculate your debt service coverage ratio to assess loan qualification.
- ✓Instant DSCR calculation
- ✓Qualification insights
- ✓Lender threshold benchmarks
Line of Credit Calculator
Calculate payoff timeline and total interest for your line of credit.
- ✓Payoff timeline estimate
- ✓Total interest paid
- ✓Minimum vs. custom payment
Balloon Payment Calculator
Calculate payments for loans with a large final balloon payment.
- ✓Lower monthly payments
- ✓Balloon amount at maturity
- ✓Amortization vs. balloon term
Working Capital Calculator
Determine how much working capital your business has and how lenders see it.
- ✓Working capital amount
- ✓Current ratio analysis
- ✓Cash runway estimate
Fixed Charge Coverage
Calculate your ability to cover all fixed financial obligations.
- ✓FCCR ratio with kickouts
- ✓Additional proposed debt
- ✓Industry thresholds
Equipment Lease vs. Buy
Compare true after-tax cost of leasing vs. financing — including Section 179 deductions.
- ✓Side-by-side net cost
- ✓Section 179 tax savings
- ✓Adjustable tax bracket
Which Lending Options Fit Your Profile?
Answer 4 quick questions about time in business, revenue, credit, and funding purpose to see which lending categories may be worth reviewing first.
- ✓Identifies Tier 1 (Bank/SBA) vs Tier 2 (Fintech) vs Tier 3 (Asset-Based)
- ✓Highlights loan products that may fit your borrower profile
- ✓Includes practical next steps to strengthen your financing package
Which Lending Options Fit Your Profile?
Answer 4 quick questions to get an educational read on which lending categories may be worth reviewing first.
4 questions · 60 seconds · No sign-up required
Guides & Articles
In-depth guides on SBA loans, equipment financing, commercial real estate, startup funding, and state-specific lending programs — plus step-by-step how-to articles for every stage of the process.
- SBA 7(a) Loan Guide
- The 5 C's of Credit
- Business Plan for Lenders
- Lending Terms Glossary
- Credit Improvement Tips
Grants & External Programs
Programs from government agencies, CDFIs, and nonprofits that may be available to your business. We have no affiliation with these organizations — they are listed as a public resource.
Grants & State Programs
- Nevada Emerging Small Business CertificationGovernor's Office of Economic Development (GOED)ESB certification that opens access to state and local government contracting set-asides for qualifying Nevada businesses.
- Nevada Export Assistance GrantsGOED & SBAGrants for Nevada-made products exported internationally — helps offset costs of trade shows, market research, and compliance.
- Rural Microentrepreneur Assistance ProgramUSDA Rural DevelopmentGrants and technical assistance for microenterprises in rural areas — including equipment, inventory, and working capital.
Lending & Credit Resources
- SBA 7(a) Loan ProgramU.S. Small Business AdministrationThe SBA's flagship loan — up to $5M for equipment, working capital, real estate, or refinancing.
- SBA 504 Loan ProgramU.S. Small Business Administration (via CDCs)Long-term, fixed-rate financing for major fixed assets like real estate and heavy equipment. As little as 10% down.
- Battle Born Growth Microloan ProgramNevada SSBCI / GOEDMicroloans up to $250,000 through local Nevada community lenders under the State Small Business Credit Initiative.
- Kiva U.S.KivaCrowdfunded microloans from $1,000–$15,000 at 0% interest — no credit score required. Backed by your community.
- Accion Opportunity FundAccion Opportunity Fund (CDFI)Loans from $5,000–$250,000 with flexible terms and free business coaching for underserved entrepreneurs.
Advisory & Technical Assistance
- Nevada SBDCNevada Small Business Development Center12 statewide locations providing free business advisory services, market research, and financial projections.
- Nevada APEX AcceleratorGOEDFree procurement assistance helping Nevada businesses win government contracts at the local, state, and federal level.
- SCORE MentorshipSCORE (SBA Partner)Free, confidential business mentoring from experienced executives — in-person and virtual sessions nationwide.
Program availability and eligibility requirements change. Verify current details directly with each organization.
All resources are for educational purposes only and do not constitute financial, legal, or lending advice. This site does not arrange, broker, or place loans. Consult a licensed professional for guidance specific to your situation.