Free business funding calculators
Run the numbers
before you borrow.
Estimate payments, compare the real cost of an offer and see what your cash flow can support — in plain numbers, before you talk to a lender.
- Free, no sign-up
- Nothing you enter is saved
- Formulas shown on every page
- Estimates — not an offer of credit
Most used
Start with the question you have.
All calculators
Four jobs, 12 calculators.
Loans & payments
What will it cost each month?
Cost of capital
Is this offer actually a good deal?
Qualify & plan
How much can the business carry?
Business health
Will the investment pay for itself?
Not sure where to start?
Pick the situation you are in.
Find out what it really costs.
Enter the fees and payment schedule to get one annual rate you can compare across offers.
See what the business can carry.
Start from monthly revenue, costs and existing debt — the same coverage test lenders run.
Check the payment fits.
Compare terms and payment frequencies before you apply, and see the full repayment schedule.
Read before you borrow
Guides behind the numbers.
01ScaleKit Financing Guide: How to Get 0% Business Funding and Build a Smarter Capital Stack
Learn how 0% business funding and credit stacking work, compare lines of credit, term loans and working capital, and see how ScaleKit connects you to 200+ lenders.
Read the guide ↗
02ScaleKit Financing: Your Complete Guide to Business Funding in 2026
Understand modern business funding, compare financing paths and prepare a stronger funding profile through one clear guide.
Read the guide ↗
03How to choose the right financing for the job
Learn how to choose business financing by matching the use of funds, repayment structure, timing and risk to your company’s cash-flow cycle.
Read the guide ↗Capital, matched with strategy
Numbers look workable? See what you may actually qualify for.
One application across our provider network. Free to start, no obligation.
Calculators give estimates for educational purposes only. They are not an offer, approval or commitment to lend. Actual rates, fees, terms and payments are set by independent providers and depend on their review. ScaleKit Financing is operated by Arch Ventures LLC and is not a lender.