Tools
Run the numbers before you talk to a lender.
Free, no sign-up, and nothing is sent anywhere. Values are estimates, and sample numbers are labelled.
Acquisition and cash-flow calculator Build cash flow from net income the way a lender does, then see sources and uses, business and global coverage, the largest loan your numbers could carry, and a stress test. 
Loan payment calculator Monthly payment, annual debt service and total interest by amount, rate and term.
Loan payment calculator Monthly payment, annual debt service and total interest by amount, rate and term. How to use them together
- Start with the acquisition and cash-flow calculator. Enter the deal and the business's earnings. It shows sources and uses, the loan payment, business coverage and global coverage, then stresses the result.
- Read the walk-through under it. Every line shows how a lender builds cash flow from net income, so you can see which input moves the answer.
- Use the payment calculator for a single loan. If you are comparing loan sizes, rates or terms, it gives the payment and total interest quickly.
- See what a finished summary looks like. The sample package uses the same hypothetical deal.
What they are not
They are estimates with sample numbers you replace. They do not model fees, collateral, credit, trend or your lender's exact method, and they are not an offer, approval or commitment to lend. Nothing you type is sent anywhere.
New to this? Start with how lenders calculate cash flow or the glossary.