Calculators
The arithmetic a credit team runs on your file, available to you before you ever apply. Every one of these is free, requires no signup, and calculates entirely in your browser, with no signup and no credit pull.
🧮 Borrowing Base Calculator
What your receivables and inventory actually support once eligibility, advance rates, and reserves are applied, not what your facility limit says.
Most owners find the answer is roughly half what they expected.
📈 Factor Rate to APR Calculator
Convert a factor-rate offer, revenue-based financing, short-term advances, factoring, into an annualised cost you can compare against a real loan.
A 1.35 factor repaid over seven months is not 35%.
📊 DSCR & FCCR Calculator
Debt service and fixed charge coverage, including the capex, taxes, and distributions that most owners leave out of the calculation.
FCCR is usually the tighter test, and the one that trips first.
📋 Covenant Headroom Calculator
How far earnings can fall before a leverage, coverage, or minimum-EBITDA covenant trips, in dollars, not ratios.
The calculation almost nobody runs before signing.
Want the whole picture instead of one number?
The assessment scores your full profile the way an underwriter would, tier, realistic products, expected ranges, and the specific items dragging you down.
All calculators are educational. They use typical U.S. market conventions and the figures you enter. They are not offers of credit, quotes, commitments to lend, or financial, legal, or tax advice. Advance rates, covenant definitions, and fee structures vary by lender and agreement, and actual lender decisions will differ.