The business owner's workbench
Business Debt Calculators
and Planning Tools
Practical calculators for MCA payments, settlement budgets, business loans and cash flow. Change the assumptions, see the tradeoffs, and leave with a clear breakdown.
MCA Factor Rate Calculator
See how a factor rate translates into dollars: total repayment, cash received after fees, and the amount of each debit.
Open calculator →MCA costs & paymentsMCA Annualized Cost Calculator
Compare the timing-sensitive cost of equal payments with the cash your business actually receives.
Open calculator →MCA costs & paymentsStacked MCA Payment Calculator
Add your advances together to see the combined daily cash drain, weekly burden, and remaining repayment obligations.
Open calculator →Settlement planningBusiness Debt Settlement Calculator
Model a proposed settlement, include fees, and calculate the reserve needed to fund that scenario.
Open calculator →Settlement planningDebt Settlement Fee Calculator
Compare fees based on enrolled debt with fees based on debt reduction, using the same settlement scenario.
Open calculator →Loans & consolidationBusiness Debt Consolidation Calculator
Compare a new loan with your current remaining payments. See monthly relief and the total cost tradeoff together.
Open calculator →Loans & consolidationBusiness Loan Payment Calculator
Calculate a fixed-rate business loan payment and see how every payment divides between interest and principal.
Open calculator →Cash flow & operationsBusiness Cash Runway Calculator
Estimate how long cash can cover operating costs and debt payments before you reach your chosen reserve.
Open calculator →Cash flow & operationsBusiness Debt Service Coverage Calculator
Compare cash available for debt service with annual principal and interest, then test a target coverage ratio.
Open calculator →Cash flow & operationsBusiness Debt Break-Even Calculator
Find the monthly revenue needed to cover variable costs, fixed expenses, and debt payments.
Open calculator →Cash flow & operationsBusiness Payroll Shortfall Calculator
Check whether cash expected before payroll covers gross wages, employer costs, and other unavoidable payments.
Open calculator →Closure leases & assetsBusiness Wind-Down Cost Calculator
Organize closure cash sources and costs, then see the funding gap against recorded business debts.
Open calculator →MCA costs & paymentsMCA Renewal and Net Funding Calculator
See how much usable cash a renewal actually provides after paying off the old advance.
Open calculator →MCA costs & paymentsMCA Early Payoff Quote Comparison
Compare a written MCA payoff quote with the remaining scheduled obligation.
Open calculator →MCA costs & paymentsReverse Consolidation Cash-Flow Simulator
Track incoming consolidation funding against both existing MCA debits and the new repayment obligation.
Open calculator →MCA costs & paymentsDaily-To-Weekly Payment Proposal Planner
Compare daily debits with a proposed weekly payment and its effect on payoff time.
Open calculator →MCA costs & paymentsMCA Revenue Decline Stress Test
Test whether operating cash can support MCA debits when sales decline.
Open calculator →MCA costs & paymentsMCA Balance and Debit Reconciliation Ledger
Reconcile the remaining MCA obligation against actual debits, returned payments and written adjustments.
Open calculator →MCA costs & paymentsMCA Contract Comparison Worksheet
Organize the terms to compare before signing or renewing an MCA.
Open calculator →Settlement planningLump Sum Vs Installment Settlement Comparison
Compare the upfront funding and present cost of a lump sum offer with an installment offer.
Open calculator →Settlement planningSettlement Reserve Accumulation Planner
Work out the weekly contribution needed to fund a settlement reserve by your target date.
Open calculator →Settlement planningMulti-Creditor Offer Allocation Worksheet
Compare individually chosen creditor offers with the cash available to fund them.
Open calculator →Settlement planningSettlement Payment Affordability Stress Test
See which months a proposed settlement payment would push cash below your minimum reserve.
Open calculator →Settlement planningSettlement Document Readiness Builder
Build a document inventory for a business debt settlement review.
Open calculator →Settlement planningSettlement Vs Refinance Cash-Flow Comparator
Compare the payment burden and total cash cost of a settlement scenario with an amortizing refinance quote.
Open calculator →Loans & consolidationLoan Modification and Term Extension Comparison
Compare payment relief from a term extension with its additional lifetime cost.
Open calculator →Loans & consolidationInterest-Only Period and Payment Reset Calculator
Calculate the temporary interest-only payment and the larger payment that follows.
Open calculator →Loans & consolidationBusiness Loan Balloon and Maturity Planner
Project the balance due at maturity when regular payments do not fully amortize the loan.
Open calculator →Loans & consolidationBusiness Line Of Credit Payoff Planner
Follow a business credit line balance while accounting for new draws, interest, fees and repayments.
Open calculator →Loans & consolidationRefinance Break-Even and Holding Period Calculator
Compare refinance costs at a chosen exit date, including the balances still owed.
Open calculator →Loans & consolidationInvoice Factoring Cost and Reserve Calculator
Estimate invoice factoring funding, time-based fees and the reserve released at collection.
Open calculator →Cash flow & operations13-Week Cash-Flow Forecast Builder
Build a 13-week cash forecast from collections, payroll, overhead and debt payments.
Open calculator →Cash flow & operationsDebt Payments As A Share Of Revenue
Measure how much revenue and pre-debt operating cash your debt payments consume.
Open calculator →Cash flow & operationsCash Conversion Cycle and Working Capital Planner
Translate inventory, receivable and payable timing into a working-capital planning estimate.
Open calculator →Cash flow & operationsLate Invoice Cash Gap Simulator
See how later invoice collections change the funding gap over a chosen daily horizon.
Open calculator →Cash flow & operationsTurnaround Cost Reduction Planner
Itemize recurring cost reductions and compare them with the cost of making the changes.
Open calculator →Cash flow & operationsSeasonal Business Reserve Planner
Find the cash trough across a seasonal 12-month forecast and the reserve needed to cover it.
Open calculator →SBA & EIDLEIDL Statement-To-Maturity Repayment Planner
Project an EIDL balance from current principal and unpaid interest, including a potential maturity balloon.
Open calculator →SBA & EIDLSBA Workout Payment Proposal Planner
Test a proposed SBA loan payment against business cash available for debt service.
Open calculator →SBA & EIDLSBA Collateral Sale Deficiency Worksheet
Estimate the remaining SBA debt after a documented collateral sale and approved credits.
Open calculator →SBA & EIDLSBA Financial Statement Preparation Worksheet
Organize a debtor financial statement summary before completing the current SBA forms.
Open calculator →SBA & EIDLTreasury Collection Cost Scenario Worksheet
Reconcile a Treasury collection scenario using charges from the actual notice.
Open calculator →SBA & EIDLSBA Collateral and Guarantor Release Preparation
Track the documents for an SBA collateral or guarantor release request.
Open calculator →Bankruptcy & alternativesChapter 11 and Subchapter V Cost Budget
Build a case budget from current fee schedules and professional quotes.
Open calculator →Bankruptcy & alternativesReorganization Plan Cash-Flow Worksheet
Test whether proposed reorganization payments fit an operating cash forecast.
Open calculator →Bankruptcy & alternativesBusiness Liquidation Recovery Scenarios
Estimate net proceeds from asset sales and compare them with recorded claims.
Open calculator →Bankruptcy & alternativesWorkout Vs Bankruptcy Scenario Comparison
Compare the cash costs of an out-of-court workout scenario and a proposed bankruptcy plan.
Open calculator →Bankruptcy & alternativesBusiness Bankruptcy Consultation Packet Builder
Prepare a records checklist for a business bankruptcy consultation.
Open calculator →Bankruptcy & alternativesCreditor Action and Bankruptcy Event Tracker
Organize creditor actions and counsel-confirmed dates after a bankruptcy filing.
Open calculator →Guarantees & owner exposureLimited Personal Guarantee Cap Worksheet
Calculate a stated dollar-cap scenario without assuming all contract charges fall inside the cap.
Open calculator →Guarantees & owner exposureMultiple Guarantor Contribution Scenarios
Compare agreed contribution shares with amounts already paid by each guarantor.
Open calculator →Guarantees & owner exposurePersonal Guarantee Settlement Offer Worksheet
Translate a personal guarantee offer into a deposit, payment schedule and total funding requirement.
Open calculator →Guarantees & owner exposureOwner Asset Equity Inventory
List owner assets and liens to estimate accounting equity before a professional review.
Open calculator →Guarantees & owner exposureGuarantee Release Term Comparison
Compare the terms that must be reviewed in a proposed guarantee release.
Open calculator →Liens lawsuits & collectionsFrozen Bank Account Operating Gap
Measure the operating gap using only cash currently available to the business.
Open calculator →Liens lawsuits & collectionsReceivables Diversion Impact Simulator
Estimate the operating effect of receivables diverted away from the business.
Open calculator →Liens lawsuits & collectionsJudgment Balance and Interest Worksheet
Calculate a simple-interest judgment scenario using a rate verified for the actual judgment.
Open calculator →Liens lawsuits & collectionsJudgment Settlement Payment Comparison
Compare a judgment payoff quote with written lump sum and installment offers.
Open calculator →Liens lawsuits & collectionsUCC Filing Portfolio and Continuation Calendar
Keep a UCC filing inventory with verified lapse and continuation-review dates.
Open calculator →Liens lawsuits & collectionsCollateral Coverage and Encumbrance Worksheet
Compare an unduplicated collateral pool with the claims said to be secured by it.
Open calculator →Liens lawsuits & collectionsBusiness Lawsuit Document and Deadline Organizer
Organize lawsuit papers and counsel-confirmed response dates in one printable timeline.
Open calculator →Closure leases & assetsStay Open Vs Close Cash-Flow Scenarios
Compare business cash and remaining debt at the same horizon under stay-open and closure scenarios.
Open calculator →Closure leases & assetsCommercial Lease Buyout Quote Comparison
Compare remaining lease cash payments with a written early-exit quote.
Open calculator →Closure leases & assetsEquipment Sale Or Return Cash Comparison
Compare selling financed equipment with a documented return quote.
Open calculator →Closure leases & assetsBusiness Sale Net Proceeds Worksheet
Estimate cash available at closing after debt payoffs, costs, holdbacks and an adviser-provided tax reserve.
Open calculator →Closure leases & assetsPost-Closure Debt and Guarantee Inventory
Track debt, guarantee and release records after a business closes.
Open calculator →Tax & owner financesMultiple Settlement Cancellation-Of-Debt Ledger
Record separate debt-cancellation events and reconcile them with creditor tax documents.
Open calculator →Tax & owner financesPre-Settlement Insolvency Snapshot Builder
Assemble a pre-cancellation asset and liability snapshot for a tax professional.
Open calculator →Tax & owner financesSettlement Tax Reserve Sensitivity Planner
Test a tax reserve using a CPA-provided taxable amount and an explicit rate assumption.
Open calculator →Tax & owner financesOwner Household Budget During A Workout
Separate the owner household budget from the business workout forecast.
Open calculator →Tax & owner financesPartner Buyout Funding Scenarios
Calculate the financing payment for an agreed partner buyout.
Open calculator →Tax & owner financesAfter-Tax Settlement Scenario Comparison
Compare a settlement funding requirement after fees and an externally estimated tax reserve.
Open calculator →MCA costs & paymentsMCA Reconciliation Calculator
Compare actual MCA debits with the contractual share of receipts for the same period.
Open calculator →Bankruptcy & alternativesSubchapter V Debt Threshold Worksheet
Check debt-limit arithmetic and business-debt share for a Subchapter V consultation.
Open calculator →SBA & EIDLSBA Offer Funding Worksheet
Plan the funding for an offer amount you choose for a program-specific SBA review.
Open calculator →SBA & EIDLEIDL Reduced Payment and Balloon Calculator
Compare a reduced-payment period with regular payments, including the effect on the balance at maturity.
Open calculator →Tax & owner financesBusiness 1099-C Review Worksheet
Reconcile a reported cancellation amount with adjustments and exclusions already reviewed by a tax professional.
Open calculator →Guarantees & owner exposurePersonal Guarantee Exposure Worksheet
Organize a guarantee claim and owner-equity scenario using legal assumptions supplied by counsel.
Open calculator →Liens lawsuits & collectionsUCC Termination Request Worksheet
Prepare a factual UCC termination inquiry and track the supporting records.
Open calculator →Liens lawsuits & collectionsConfession Of Judgment Review Worksheet
Organize a confession-of-judgment document for jurisdiction-specific legal review.
Open calculator →Closure leases & assetsGood Guy Guarantee Exit Cost Calculator
Budget the cash needed for a lease exit under the actual guarantee and handover terms.
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