Five interactive tools
Business Funding Calculators
Price an amortizing term loan, one credit-line draw, a factor or MCA advance, invoice factoring and debt-service capacity from one transparent workspace.
Estimated monthly payment$2,509
Choose the formula that matches the contract
A term loan uses standard monthly amortization and treats the selected fee as withheld from proceeds. The credit-line screen estimates one constant draw, not repeated borrowing. The factor screen calculates the purchased or payback amount and average weekly remittance without presenting a factor as an APR. The factoring screen separates the initial advance, reserve and a time-based fee. The debt-capacity screen compares annual cash available for debt with existing and proposed payments.
No single calculator can reconstruct an agreement from a headline rate. Enter figures from a written proposal, confirm whether fees are withheld or financed, and check whether interest uses a daily balance, variable index or unusual payment calendar.
Run a downside case
After calculating the expected payment, test the same amount against the weakest recent month. Leave room for payroll, tax, suppliers, rent and existing debt before treating it as affordable. For variable debt, repeat the test at a higher benchmark. For invoice finance, repeat it with slower customer payment.
Keep the result beside the contract
Save the inputs, calculation date and written offer together. Then compare net cash, total dollars paid, payment frequency, guarantee, lien, early-pay treatment and default clauses. The calculators are educational planning tools, not approval estimates, legal advice or lender quotes.