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
- Commercial Loan Calculator - monthly payment, total interest, and total cost of an amortizing commercial loan.
- Cash Conversion Cycle Calculator - DSO, DIO, DPO, and the cash conversion cycle from receivables, inventory, and payables.
- Merchant Cash Advance Calculator - total cost, daily payment, payoff time, and effective APR of an MCA from the factor rate and holdback.
- Construction Loan Calculator - loan amount, borrower equity, and interest reserve from project cost and loan-to-cost.
- Working Capital Calculator - working capital, current ratio, and quick ratio from current assets, liabilities, and inventory.
- 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.
- Receivables Dilution Calculator - dilution rate from gross sales and dilutive items, and the advance rate it supports.
- Equipment Finance Payment Calculator - monthly payment on an equipment loan or lease, with optional residual.
- Back-Office Automation ROI Calculator - annual cost of manual cash application, reconciliation, verification, and collections, and how much automation recovers.
- Concentration Limit Calculator - debtor concentration excess against a concentration cap in a borrowing base.
- Back-Office Automation Scorecard - rate your lending operation across six areas and see where to automate first.
- CRE Loan Sizing Calculator - size a CRE loan against LTV, debt yield, and DSCR.
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.
Embed these calculators on your site
Every calculator above is free to embed on your blog, lender resource page, or knowledge base. Open any calculator and copy the one-line snippet under "Embed this calculator on your site" to drop in a clean, responsive widget with a credit link back to Zolvo.