Estimate cost, coverage and availability. Each tool shows its assumptions. The scorecard reviews how your back office works.
- Back-Office Automation ROI Calculator
Estimate what manual cash application, reconciliation, verification, and collections cost your lending operation each year, and how much automation can recover.
- Borrowing Base & Advance Rate Calculator
Calculate availability on a receivables line. Enter gross AR, ineligibles, the advance rate, and the current outstanding balance to see eligible collateral and remaining availability.
- Cash Conversion Cycle Calculator
Calculate the cash conversion cycle from receivables, inventory, and payables, with DSO, DIO, and DPO, to see how long cash is tied up in operations.
- Commercial Loan Calculator
Calculate the monthly payment, total interest, and total cost of an amortizing commercial loan from the amount, interest rate, and term.
- Concentration Limit Calculator
See how much of a single debtor's balance is eligible under a concentration cap, and how much excess is removed from the borrowing base.
- Construction Loan Calculator
Size a construction loan from total project cost and loan-to-cost, and estimate the borrower equity and the interest reserve needed to carry the loan through the build.
- CRE Loan Sizing Calculator
Size a commercial real estate loan against the three constraints lenders use, loan-to-value, debt yield, and debt service coverage, and see which one binds.
- DSCR Calculator
Calculate the debt service coverage ratio from net operating income and debt service, check it against a lender minimum, and see the maximum debt service the income supports.
- DSO Calculator
Calculate days sales outstanding from accounts receivable and credit sales, and see how far your collection period runs beyond your payment terms.
- Equipment Finance Payment Calculator
Estimate the monthly payment on an equipment loan or lease. Enter the financed amount, rate, term, and any end-of-term residual or balloon.
- Factor Rate to APR Calculator
Estimate APR from a factor rate using equal monthly payments. See total repayment, total cost and the implied monthly payment.
- Invoice Factoring Cost Calculator
Estimate the advance, fee, reserve and net proceeds on a factored invoice, with a simple annualized cost on the advance.
- Lending Back-Office Automation Scorecard
Review six parts of your lending operation and see which ones still depend most on manual work.
- Merchant Cash Advance Calculator
Estimate repayment, daily remittance and payoff time from a factor rate, holdback and monthly card sales. Compare the simple annualized cost.
- Receivables Dilution Calculator
Calculate receivables dilution, net collectible value and 100% less dilution. Compare that simple ceiling with your current advance rate.
- Working Capital Calculator
Calculate working capital, the current ratio, and the quick ratio from current assets, current liabilities, and inventory to gauge short-term liquidity.