Home / Free Calculators
Free, no signup, nothing transmitted — every calculation runs in your browser. Built on the same math banks use in underwriting. When you’re done, export the whole package to Excel and hand it to your banker.
How much working capital does your operating cycle actually consume? Enter your annual figures and cycle days (from your A/R aging, inventory turns, and payables). The sizer computes the cash tied up in your cycle, nets out what your vendors finance, and adds headroom for seasonality and growth.
A banker reads this as: cash trapped in the cycle, minus vendor financing, plus prudent headroom. Walk in knowing the number and the reasoning — it changes the meeting.
What will the loan cost each month — and does your cash flow cover it at the coverage level banks require? Most lenders want DSCR of at least 1.20x–1.25x.
DSCR = cash flow available for debt service ÷ total annual debt service. It is the single ratio every commercial underwrite starts with.
How much do you have to sell each month before a dollar of profit exists? Lenders like borrowers who know this number cold.
Every dollar above breakeven revenue contributes margin; every dollar below it burns cash. Seasonality planning starts here.
For spec builds and fix-and-flips: does the deal clear after every real cost — including the interest and the selling expenses optimism forgets?
Net profit = sale price − acquisition − construction − interest − closing − selling. If the margin is thin on paper, it’s gone in real life. We finance and manage these projects for a living.
One click produces a clean workbook of every calculator above — your numbers, the intermediate steps, and the results — formatted to hand straight to your banker.
These calculators are educational tools, not credit decisions or financial advice; lenders apply their own policies, advance rates, and covenants. Results depend entirely on your inputs. For a number a bank will actually commit to, talk to us.
Loan advisory on contingency: a tiered percentage of financing closed — no funding, no fee.