Free resources
Everything you need to get funding-ready.
Calculators, assessments, and guides. All free, because understanding your numbers shouldn't cost money.
The tools
DSCR Calculator
Debt Service Coverage Ratio is the first number lenders look at. Enter your numbers and see whether your business cash flow supports a loan.
Open the tool →Loan Payment Calculator
Monthly payment, amortization, and total cost of borrowing from loan amount, rate, and term.
Open the tool →Quick Money Calculator
A merchant cash advance quotes a factor, not a rate. Put in the quote you were given and see the dollar cost, the true annual rate, and what the draw does to a month of revenue.
Open the tool →Lendability Assessment
Seven questions, about two minutes. See where you stand before a lender does.
Open the tool →SBA Eligibility Checker
Not every business qualifies for SBA financing. Seven questions to find out whether SBA is the right path, or if there is a better fit.
Open the tool →The Loan Guide
The full lending process from first documents to funded loan, explained in plain English.
Open the tool →The guides
The Loan Guide
Start here: the lending process end to end, what lenders ask for, and why.
Read the guide →The Five Cs of Credit
Capacity, credit, capital, collateral, and character: what each means and how lenders weigh them.
Cash Flow, Explained
How lenders read your cash flow, and how to understand it the way they do.
Want the full workspace?
The tools are free forever. The platform takes you the rest of the way. Now in early access.