Free Business Loan Tools & Calculators
Run the numbers before you talk to a lender. All tools are free — no sign-up required.
Calculators
Model loan payments, coverage ratios, and equipment financing decisions.
DSCR Calculator
Audit your Debt Service Coverage Ratio with non-recurring kickouts and proposed new debt.
Open Tool →CalculatorDSCR Stress Test
Stress test coverage if NOI or cash flow drops 5%, 10%, 20%, or 30%.
Open Tool →CalculatorFCCR Calculator
Calculate your Fixed Charge Coverage Ratio including lease and fixed obligations.
Open Tool →CalculatorLoan Payment Calculator
Calculate monthly payments, total interest, and true cost of a business loan.
Open Tool →CalculatorLine of Credit Calculator
See your payoff timeline and total interest for your business line of credit.
Open Tool →CalculatorLoan Sizing Calculator
Estimate realistic funding ranges by product using revenue, deposits, credit, and time in business.
Open Tool →CalculatorBalloon Payment Calculator
Calculate monthly payments and balloon amount for commercial loans with balloon maturities.
Open Tool →Calculator365/360 Loan Calculator
Compare Actual/360, Actual/365, and 30/360 commercial loan interest accrual.
Open Tool →CalculatorCRE Loan Sizing Calculator
Size a commercial real estate loan by DSCR, LTV, and debt yield constraints.
Open Tool →CalculatorCRE NOI Sensitivity
Stress test property value, LTV, and refinance gaps across NOI and cap-rate scenarios.
Open Tool →CalculatorConstruction Interest Reserve
Estimate capitalized interest from a construction loan draw schedule.
Open Tool →CalculatorBorrowing Base Calculator
Calculate A/R and inventory line availability after advance rates and reserves.
Open Tool →CalculatorWorking Capital Gap
Convert A/R days, inventory days, and A/P days into a cash conversion funding need.
Open Tool →CalculatorRevenue Based Lending Calculator
Model remittance, payback timing, and operating cash-flow impact from revenue-based financing.
Open Tool →CalculatorFactor Rate Calculator
Convert factor-rate pricing into total payback, finance cost, and APR estimate.
Open Tool →CalculatorInvoice Financing Calculator
Estimate factoring advance, fees, reserve release, net proceeds, and APR equivalent.
Open Tool →CalculatorBusiness Loan Refinance
Compare current repayment against a refinance for payment savings and breakeven.
Open Tool →CalculatorTerm-Out Loan Calculator
Convert a line of credit balance into term debt and see the DSCR impact.
Open Tool →CalculatorYield Maintenance Calculator
Estimate a commercial mortgage prepayment penalty and payoff amount.
Open Tool →CalculatorWorking Capital Calculator
Determine your working capital, current ratio, and how lenders will view your liquidity.
Open Tool →ScreenerSBA Eligibility Screener
Check borrower profile and use of proceeds against common SBA 7(a) and 504 fit issues.
Open Tool →CalculatorEquipment Lease vs. Buy
Compare the true after-tax net cost of leasing vs. financing, including Section 179.
Open Tool →Diagnostics
Identify your lending tier and which products you qualify for.
Templates & Checklists
Build your debt schedule and gather every document lenders require.
These tools are for educational purposes only. Results do not constitute a loan offer, pre-qualification, or guarantee of financing. Consult a licensed financial professional for advice specific to your situation.