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Business Funding Calculators
Get instant payment estimates and compare financing options for your business. Simple, transparent, and free to use.
MCA Calculator
Quick funding with daily payments based on sales
- Approved: 24-48 hours
- Amount: $3K - $1M
- Best for: Immediate needs
Business Line of Credit
Revolving credit line with flexible draw and repayment
- Approved: 2-5 days
- Amount: $5K - $1M
- Best for: Cash flow management
SBA Loan Calculator
Government-backed loans with competitive rates
- Approved: 30+ days
- Amount: $50K - $5M
- Best for: Large investments
Term Loan Calculator
Fixed-rate financing for long-term business goals
- Approved: 7-14 days
- Amount: $10K - $1M
- Best for: Equipment, expansion
Cash Flow Planner
Project and plan your business cash flow
- Track: Income & expenses
- Forecast: Future cash needs
- Best for: Financial planning
Working Capital Calculator
Calculate funding needed for daily operations
- Analyze: Current assets & liabilities
- Identify: Capital gaps
- Best for: Operational funding
Compare Funding Options
Quick reference guide to help you choose the right calculator
| MCA | Line of Credit | SBA Loan | Term Loan | |
|---|---|---|---|---|
| Approval Time | 1-2 days | 2-5 days | 30+ days | 7-14 days |
| Amount Range | $3K - $1M | $5K - $1M | $50K - $5M | $10K - $1M |
| Collateral | No | No | Yes | Maybe |
| Credit Score | 600+ | 600+ | 650+ | 640+ |
| Best For | Quick cash | Cash flow | Large projects | Equipment |
💰 MCA
💳 Line of Credit
🏦 SBA Loan
📊 Term Loan
How to Use Our Calculators
Simple three-step process to estimate your funding needs
Enter Your Details
Adjust sliders for amount, term, and other variables to match your business needs
See Instant Estimates
View payment breakdown and total costs immediately as you adjust parameters
Apply or Keep Exploring
No obligation until you're ready. Compare options and apply when it makes sense
How to Use These Calculators
Step-by-step guides to help you understand our financial tools
📈 Cash Flow Planner
Track money coming in and going out. See if you'll have enough cash to pay bills each month.
🤔 What Is Cash Flow?
Cash flow is about timing. It's money coming into your business (income) and money going out (expenses). Even profitable businesses can have cash problems if money goes out faster than it comes in.
💡 Example
You buy supplies for $500 today. You make $1,200 in sales this week. But if your supplier wants payment now and customers pay next week, you have a cash flow problem even though you're making money!
📝 How to Use It
Enter Starting Cash
How much is in your bank right now? Check your balance and enter that number.
List Money Coming In
Sales, client payments, refunds. Only count money you're sure will come in.
List Money Going Out
Rent, wages, supplies, utilities, insurance, loan payments. Every bill counts!
Click Calculate
See if you'll run out of money or have extra cash.
📊 Understanding Results
✅ Positive (Good!)
More coming in than going out. You can pay bills and save.
⚠️ Negative (Warning!)
Spending more than earning. Increase income or cut expenses fast.
🛣️ Cash Runway Explained
What it is: Months you can survive if income stops. Current cash ÷ monthly expenses.
Example: $15,000 cash, $5,000/month expenses = 3 months runway.
Good: 6+ months | OK: 3-6 months | Risky: Under 3 months
💼 Working Capital Calculator
Find out if you have enough money to run your business day-to-day.
🤔 What Is Working Capital?
Money available to run your business daily. It's what you own (cash, products) minus what you owe (bills due soon).
💡 Example
$10,000 in bank + $8,000 in products = $18,000. Minus $5,000 in bills = $13,000 working capital.
📝 How to Use It
Enter Current Assets
Money in bank, money customers owe you, inventory you can sell.
Enter Current Liabilities
Credit cards, supplier bills, short-term loans, taxes, rent.
Enter Monthly Revenue
Average monthly income. Look at last 3-6 months.
Click Calculate
See your working capital health score.
📊 Understanding Results
💰 Working Capital
Good: Positive number
Bad: Negative number
📊 Current Ratio
Good: 1.5-3.0
OK: 1.0-1.5
Bad: Below 1.0
⚡ Quick Ratio
Good: Above 1.0
Bad: Below 1.0
🔄 WC Ratio
Good: 12-20%
High: Over 30%
Low: Under 10%
🎯 What Each Ratio Means
Current Ratio: Assets ÷ Liabilities. For every $1 owed, how much you have. 2.0 = $2 per $1 owed.
Quick Ratio: (Cash + Receivables) ÷ Liabilities. Can you pay NOW without selling inventory?
WC Ratio: Working Capital ÷ Monthly Revenue. Percent of sales tied up in operations.
💡 Real Example
$50K assets, $30K liabilities, $25K monthly revenue
Working Capital: $20K ✅ | Current Ratio: 1.67 ✅ | WC Ratio: 80% ⚠️
Meaning: Safe to pay bills but could be more efficient with cash.
📈 Financial Health Score
90-100: Excellent | 70-89: Good | 50-69: Fair | Below 50: Poor
Score combines all ratios. Perfect ratios = 100 points. Each healthy ratio adds points.
💡 Pro Tip
Keep working capital = 30 days expenses. $10K/month expenses = $10K working capital minimum.
🎯 What to Do Next
Healthy (1.5+):
- Monitor monthly
- Build emergency fund
- Consider investments
Tight (1.0-1.5):
- Watch expenses
- Collect faster
- Get line of credit
Negative (Below 1.0):
- Act immediately
- Apply for funding
- Negotiate payments
FAQs
Got Questions? We've Got Answers
What's the difference between MCA and a traditional business loan?
+A Merchant Cash Advance (MCA) is repaid through a percentage of your daily credit card sales, while traditional loans have fixed monthly payments. MCAs are faster to obtain (24-48 hours vs weeks), require lower credit scores (600+ vs 680+), and don't require collateral. However, they typically have higher costs than traditional loans.
What are the minimum requirements to qualify for MCA funding?
+To qualify for an MCA with Trulo Capital, you need: (1) Business bank statements, (2) Minimum $10,000 in monthly revenue, and (3) A credit score of 600 or above. These requirements are significantly lower than traditional lenders, making MCAs accessible to more small businesses.
How long does it take to get approved and receive funds?
+MCA approvals typically take 24-48 hours, with funds deposited within 1-2 business days. Business Lines of Credit take 2-5 days, Term Loans take 7-14 days, and SBA Loans can take 30+ days. The fastest option for urgent needs is an MCA.
Will using a calculator trigger a hard credit inquiry?
+No. Our calculators are estimation tools only and do not perform any credit checks. You can use them as many times as you want without affecting your credit score in any way.
What documents do I need to begin the application process?
+To begin a submission, you'll need 3 months of business bank statements and a completed application. To finalize funding, we'll also need a driver's license (color copy) and a voided business check or bank letter. The process is simple and can be completed in minutes.
Can I qualify for multiple types of financing at the same time?
+Yes, many businesses use multiple financing products. For example, you might have an MCA for immediate needs and a Business Line of Credit for ongoing cash flow management. Use our calculators to compare options and determine which combination works best for your business goals.
Ready to Get Started?
Use our calculators to explore your options, or speak with a funding specialist for personalized guidance.