Free Tools
Small Business Finance Calculators
Five free calculators built specifically for US small business owners. No sign-up, no data stored, instant results. All tools use live Federal Reserve data where applicable.
Invoice Factoring Cost Calculator
Enter your invoice amount, advance rate, and factor fee to see your net cash received, effective APR, and total cost of factoring.
MCA True Cost Calculator
Convert your merchant cash advance factor rate into an effective APR. See the real annual cost of your MCA before you sign.
Break-Even Calculator
Find your break-even point in units and revenue, contribution margin, and margin of safety. Takes 30 seconds.
Cash Flow Runway Calculator
Enter cash balance, revenue, and expenses to see exactly how many months of runway you have and when you need to act.
SBA Loan Payment Calculator
Estimate your monthly SBA 7(a) payment using today's live prime rate from the Federal Reserve. See the real dollar cost of high rates.
Business Loan Comparison Tool
Compare SBA loans, MCAs, invoice factoring, and lines of credit side-by-side. See true APR and total cost for your exact funding scenario.
Live Economic Data
Today's US Business Funding Climate Score
The calculators above show your cost. The Score shows the macro environment — whether banks are tightening, rates are rising, and whether today is a good or bad time to seek financing. Updated every morning from Federal Reserve data.
Check Today's Score →Complete Guide
SBA Loans: Eligibility, Rates & How to Apply
Requirements, current rates, and what lenders check.
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Complete Guide
Invoice Factoring: How It Works, Rates & Alternatives
Real cost comparisons for trucking, staffing, and B2B businesses.
Read guide →
Survival Guide
Cash Flow Management: How to Survive the Gaps
The 5 cash flow killers and exactly when to seek financing.
Read guide →