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Break-Even Calculator
Find the exact revenue needed to cover your costs
Cash Flow Runway
See how many months your cash reserves will last
Invoice Factoring Calculator
Calculate net payout and true factoring cost
Loan Comparison Tool
Compare SBA, MCA, and line of credit side-by-side
MCA True Cost Calculator
Reveal the real APR hiding in your factor rate
Score powered by 6 Fed indicators
Methodology →What This Score Means For Your Loan
Lending is available but underwriting standards are tightening
SBA 7(a) Loans
SelectiveApproval is possible but banks are scrutinizing applications more carefully. Expect longer processing times and stronger collateral requirements.
Lines of Credit
CautiousBanks are raising documentation requirements on renewals. New applicants need 2+ years of clean financials and a debt-service ratio above 1.35×.
Equipment Financing
AvailableLoans are available but at elevated rates. Shorter terms (24–48 months) are being offered to reduce lender exposure.
🏦 What Lenders Are Prioritizing
Two or more years in business, FICO 700+, strong collateral, and proven revenue consistency across at least two fiscal years.
👁 Signal to Watch
Any prime rate increase would push conditions toward Risky. Apply before the next FOMC decision if your financials are ready.
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Invoice Factoring for Trucking
Invoice factoring for trucking companies helps navigate tighter funding conditions.
Read analysis →US Inflation (CPI)
NFIB Small Biz Optimism
Monthly survey · refreshes when FRED publishes new data
Prime Rate Impact Calculator
Today's prime rate is 6.75% — 2.25 points above the pre-tightening baseline of 4.5%. See the real dollar cost for your SBA 7(a) loan.
At Baseline (7.25%)
$1,992/mo
Prime 4.5% + 2.75% spread
At Today's Rate (9.50%)
$2,100/mo
Prime 6.75% + 2.75% spread
Extra Monthly Cost
$108/mo
$6,495 extra over 60 mo
Based on an SBA 7(a) amortizing loan at prime + 2.75% spread. Actual rates vary by lender, loan size, and creditworthiness. Not financial advice.
Latest Analysis
Invoice Factoring for Trucking
Invoice factoring for trucking companies helps navigate tighter funding conditions.
Invoice Factoring for Staffing Agencies
Invoice factoring for staffing agencies helps navigate tight credit conditions with a prime rate of 6.75%.
Small Business Funding Conditions
Small business funding conditions are challenging due to rising interest rates and tighter lending standards.