Estimate a comfortable loan or advance amount from your revenue, profit and existing payments. Free, private, and it runs entirely in your browser.
Enter a few numbers from your last 6 to 12 months. The estimate uses the same two tests lenders use as a starting point: whether profit covers the new payment with room to spare, and whether payments stay a sensible share of revenue. Everything runs in your browser. Nothing you type here is sent or saved.
It depends on cash flow, time in business, existing debt and the type of financing. A common starting point is to keep total debt payments covered by profit at least 1.25 times and under about 15 percent of revenue.
It is cash flow available for debt payments divided by the total debt payments. A ratio of 1.25 means you have 25 percent more cash flow than the payments need.
Your cash flow may not carry that payment over the term you chose. A longer term lowers the payment, but total cost rises. Securing against receivables or equipment can also change what is possible.
Yes. Many lenders want 6 to 12 months or more of history, and less history usually means smaller amounts.
Yes. Request a financing review and we will tell you what a lender would likely see and what structure may fit.
Request a financing review. We call you back within 2 hours during business hours. Same-day approval is possible, and requests under $100,000 can be funded in as little as 2 business days. No obligation.
Request a financing review Call 403-827-1014Also free: Business loan document checklist • Advance cost calculator • Borrowing capacity estimator • Receivables aging analyzer • 13-week cash flow template • Capital Readiness Score