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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
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) At least 1 year in business, (2) Minimum $10,000 in monthly revenue, (3) A credit score of 600 or above, and (4) 3 months of business bank statements. These requirements make MCAs accessible to established 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.