caldridge

Business loan calculators.
Effective APR, not the brochure rate.

Five calculators for the financing decisions running an operating business: term loans, SBA 7(a) and 504, equipment, commercial real estate, and the factoring / merchant-cash-advance math that hides 60%+ APRs behind a "1.30 factor rate." Each tool rolls origination fees, guarantee fees, and amortization into a single effective APR — the number you'll actually pay, not the headline rate a broker leads with. Same privacy promise as the rest of the site: inputs stay in your browser, no lender pays to be the recommendation.

See the tools How banks decide
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Term Loan

Origination fee rolled into effective APR (not the quoted rate). Newton-Raphson solver, full amortization, prepayment what-ifs.

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SBA 7(a) & 504

Current guarantee fee schedule, net proceeds after fees, 7(a)-vs-504 program comparison with CDC debenture and bank-conventional tranches.

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Equipment Finance

Loan vs. lease side-by-side. Section 179 first-year deduction, bonus depreciation phase-down, FMV residual, after-tax cash flow comparison.

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Commercial Real Estate

Balloon amortization at 5/7/10 with the underlying 20–25 year schedule. DSCR check, cash-on-cash return, refinance balance at balloon.

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Factoring & MCA

Convert factor rate to annualized APR. See why daily-debit MCAs typically cost 60–120% — and what to do if you're already in one.

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Why these five

Operating businesses use a small number of debt instruments: a term loan or line of credit for general working capital, an SBA wrapper when the bank wouldn't take the deal solo, equipment finance for capex, a CRE loan for the building, and factoring or MCA when the cheaper options are unavailable. Each calculator models one of those products with the math that actually drives the borrower's outcome:

  • Term loan — the question is rarely "what's my monthly payment." It's "what's my effective APR after the origination fee?" A 9.5% quoted rate with a 3% origination fee solves to ~10.7% effective APR on a 5-year amortization. Our solver computes that directly.
  • SBA 7(a) and 504 — the guarantee fee on 7(a) tiers by loan size and is currently waived under $1M; 504 splits 50/40/10 across a bank tranche, a CDC debenture, and borrower equity, each with their own rate. The blended effective rate is what the borrower actually pays.
  • Equipment finance — loan vs. lease is rarely settled by comparing monthly payments. It's settled by comparing after-tax present-value of all cash flows, which means Section 179, bonus depreciation, and the lease's tax treatment all matter. Our calculator runs both paths in parallel.
  • Commercial real estate — owner-occupied CRE typically amortizes over 25 years but balloons at 5, 7, or 10. The remaining balance at balloon is the refinance obligation. DSCR is computed separately from the payment so the underwriting view is visible.
  • Factoring and MCA — a "1.30 factor rate" on a 6-month advance with daily debits is somewhere in the 60–80% APR range. The conversion is straightforward; the calculator does it because most operators don't realize how steep the cost is until they see the number annualized.

Before you apply

Before talking to a lender about any of these products, the Global Cash Flow calculator tells you whether the deal pencils on the underwriting view a bank will run. The FCCR calculator tests whether the borrower will trip a covenant; the Cash Conversion Cycle calculator right-sizes a working-capital line. The full credit memo workflow — from intake through committee — is in our How Banks Underwrite C&I Loans guide.

Background reading

Embed any of these

Every business calculator has a permissive iframe embed — drop one into a small-business resource site, a lender training program, or a chamber-of-commerce education page. No tracking, no branding requirement. See the embed library for the iframe snippets.