Commercial Lending Calculators

Free calculators for commercial lending: estimate factoring cost, debt service coverage, the APR behind a factor rate, and borrowing-base availability. Each tool is built for lenders and borrowers across factoring, asset-based lending, commercial real estate, and merchant cash advance.

Available calculators

Invoice Factoring Cost Calculator - advance, fee, net proceeds, and effective APR on a factored invoice.
DSCR Calculator - debt service coverage ratio against a lender minimum, with max supportable debt service.
Factor Rate to APR Calculator - convert a merchant cash advance factor rate into an estimated APR.
Borrowing Base and Advance Rate Calculator - availability on a receivables line from gross AR, ineligibles, and the advance rate.
DSO Calculator - days sales outstanding from accounts receivable and credit sales, against your terms.

Each calculator states its assumptions plainly and is an estimate, not a quote. Behind every number is the servicing work of verifying, funding, reconciling, and monitoring, which Zolvo automates on top of the systems lenders already run across every commercial lending vertical.