Free tools

Business Loan Calculators

Eight free tools to help you understand your funding options, compare costs, and make confident decisions — whether you need capital now or are planning ahead.

Core product calculators

Understand your funding product

Merchant Cash Advance Estimator

Used by business owners who have been offered an MCA and want to understand the true cost before signing.

1Enter your average monthly credit card sales
2Enter the advance amount and factor rate from your offer
3See your total repayment, daily holdback, and estimated payoff timeline

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Invoice Factoring Cost Calculator

Used by businesses with outstanding invoices who want to unlock cash immediately rather than waiting 30–90 days for payment.

1Enter the face value of your outstanding invoice
2Set the advance rate and weekly factor fee
3See your immediate cash advance and the rebate you receive once your client pays

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Working Capital Term Loan Calculator

Used by business owners comparing short-term alternative loans and wanting to see exactly what daily or weekly ACH payments will look like.

1Enter the loan amount, annual rate, and term in months
2Choose daily or weekly ACH repayment frequency
3See your per-payment amount, total repayment, and total interest cost

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Equipment Financing & Leasing Calculator

Used by business owners planning a major equipment purchase who want to weigh monthly payments against potential tax savings.

1Enter the equipment cost, down payment, rate, and loan term
2Add your business tax rate to estimate the Section 179 deduction
3See your monthly payment, total financing cost, and estimated after-tax cost

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Comparison & financial health tools

Compare costs and plan ahead

Factor Rate to APR Converter

Used when you've received an MCA or short-term loan offer and want to compare its true cost against a bank line of credit or SBA loan.

1Enter the factor rate from your offer (e.g. 1.25)
2Enter the estimated repayment term in months
3See the equivalent APR and total cost of capital — colour-coded by risk level

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Opportunity Cost / ROI Calculator

Used when you're unsure whether the cost of financing is justified — it shows whether the capital will generate more than it costs.

1Enter the loan amount and total repayment figure
2Enter the revenue you expect the capital to generate, plus any operating costs
3See your net profit after financing and whether the ROI is positive

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Debt Consolidation Calculator

Used by business owners juggling multiple daily ACH advances who want to see how much cash flow they could free up by consolidating.

1List each advance with its remaining balance and current daily payment
2Enter the rate and term for a proposed consolidated loan
3See your new single daily payment and how much cash flow is freed up each day

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Cash Flow Runway Calculator

Used by business owners who want to know how long their current cash reserves will last — and whether now is the right time to seek capital.

1Enter your current cash on hand, monthly revenue, and monthly expenses
2The calculator works out your monthly burn rate automatically
3See your runway in months with a colour-coded urgency indicator

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Ready to move forward?

Our team can walk you through any of these options and find the right fit for your business.

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