Free business funding calculators
Run the numbers before you sign. All calculators are free, save nothing, and require no signup — built by funding pros for US small business owners comparing real offers.
MCA Cost Calculator
True cost, effective APR, and daily debit for any merchant cash advance offer.
MCA Early Payoff Calculator
See remaining balance, prepayment discount savings, and days to payoff.
MCA Consolidation Calculator
Stack multiple advances and compare daily-debit relief vs. added total cost.
Business Loan Calculator
Monthly payment, total interest, and true cost after fees for SBA and term loans.
Working Capital & Cash Runway
Months of runway, cash cycle days, and working capital your business needs.
DSCR Calculator
Debt service coverage ratio with a new loan added — the number every lender checks.
Payment calculators by loan amount
Monthly payment, total interest, and qualifying requirements for a specific loan size.
Ready to see your real offers?
Get pre-qualified in 60 seconds. Compare MCAs, LOCs, and SBA side-by-side.
Get pre-qualifiedWhich calculator should you use?
Use the merchant cash advance calculator to turn a factor rate into an APR and daily payment before you sign. If you already have several advances, the consolidation and payoff calculators show what refinancing would change.
For a traditional loan, the business loan calculator shows the monthly payment and total cost after fees. The DSCR calculator shows whether your cash flow can carry a new payment, which is the same check many lenders run. The working capital calculator estimates how much runway you have.
All results are estimates. Your actual rate, terms and approval come from the lender.