Free Lending Tools & Calculators
No email gate, no sign-up. Run the numbers before you talk to anyone — then decide if it's worth a conversation.
Daily remit calculator
See your daily or weekly MCA payment, total payback, and implied APR before you sign.
CalculatorPosition consolidation
Stacked MCAs? Add your positions, see if a consolidation actually saves money or just shifts cost.
CalculatorReverse consolidation
Stacked + drowning in daily remits? Model the relief now vs cost premium later.
CalculatorCost of capital compared
Side-by-side: MCA vs term loan vs LOC vs SBA for the same capital need.
Quiz · 60 secFunder match quiz
4 questions → top 3 funders likely to underwrite your profile.
CalculatorInvoice factoring
B2B with slow-pay customers? Monthly cash advanced, effective APR vs DSO, margin-eat. Decide if factoring fits.
Pre-qual · 60 secEquipment financing pre-qual
FICO + TIB + equipment age → approval likelihood, APR range, Section 179 tax shield, monthly payment.
Bank statement quick-grader
3 months of summary numbers → letter grade + funder-tier recommendation. 100% client-side, no PII storage.
ChecklistStipulation checklist
Pick a funder tier → exact doc list. Check items off as you collect. Print or save the summary.
CalculatorERTC / R&D advance
Pending tax credit but need cash now? Calculate advance vs wait, including effective APR.
Annuity buyout value
Receiving annuity payments and want a lump sum? Enter your schedule, see the present-value range secondary buyers offer.
CalculatorBusiness cash-out / exit liquidity
Selling all or part of your business? Estimate cash-at-closing vs earnout vs seller-note splits.
CalculatorEquipment sale-leaseback
Unlock equity in equipment you already own. Calculate cash-out vs new monthly lease payment.
CalculatorLife-policy loan / settlement
Permanent life insurance with cash value? See loan-against-policy options or life settlement quote ranges.
CalculatorCRE cash-out refi
Commercial property with equity? Max cash-out at LTV, DSCR vs NOI, new P&I, net cash after closing.
CalculatorStructured settlement pricer
Personal-injury, wrongful-death, workers' comp settlement transfers under the SSPA. PV, buyer offer, court fees, timeline by state.
CalculatorLife settlement market scan
Age 65+ policyholder selling on the secondary market. Offer range as % of face, net after broker fee, vs. surrender value.
CalculatorLottery lump-sum buyout
Powerball / Mega Millions / state lottery annuity → lump sum. PV, federal + state tax, break-even discount rate.
Quick-pass · 60 secBusiness valuation quick-pass
EBITDA ×, DCF, revenue × side-by-side. Likely sale range, buyer type, suggested deal structure.
These calculators use industry-typical assumptions to estimate ranges. Real quotes vary based on lender, current rate environment, and your specific profile. Use them to decide if a conversation is worth having — not as a final decision tool.