Free Business Loan Tools & Calculators

Run the numbers before you talk to a lender. All tools are free — no sign-up required.

Calculators

Model loan payments, coverage ratios, and equipment financing decisions.

Audit your Debt Service Coverage Ratio with non-recurring kickouts and proposed new debt.

Calculate your Fixed Charge Coverage Ratio including lease and fixed obligations.

Calculate monthly payments, total interest, and true cost of a business loan.

See your payoff timeline and total interest for your business line of credit.

Calculate monthly payments and balloon amount for commercial loans with balloon maturities.

Determine your working capital, current ratio, and how lenders will view your liquidity.

Compare the true after-tax net cost of leasing vs. financing, including Section 179.

Identify your lending tier and which products you qualify for.

Answer 4 questions to find out which lending tier will fund your business — from SBA banks to fintech.

Build your debt schedule and gather every document lenders require.

Interactive checklist of every document needed for a $100K+ commercial loan. Track progress and print.

Build your complete business debt schedule, see total annual debt service, and export to CSV.