Calculators

Keep bank statements ready — it speeds underwriting

Track receivables by payor + due date for faster collections

Lower DSO = more liquidity — tighten invoicing cycles

Separate operating cash from tax reserves to protect runway

Clean documentation feels “bank‑grade” and reduces delays

Use the readiness score to organize your application

Keep bank statements ready — it speeds underwriting

Track receivables by payor + due date for faster collections

Lower DSO = more liquidity — tighten invoicing cycles

Separate operating cash from tax reserves to protect runway

Clean documentation feels “bank‑grade” and reduces delays

Use the readiness score to organize your application

Fast, free tools that make cash flow feel simple. For illustration only — not a quote, offer, or guarantee.

Working‑Capital Gap Calculator

Estimate your cash gap after accounting for cash on hand and a realistic portion of receivables.

Monthly expenses

Cash on hand

Receivables outstanding

% of receivables realistically usable now

This keeps estimates conservative — not all receivables are immediately usable.

Estimated gap

Approximate shortfall after cash + usable receivables.

Runway

0 days

How long your cash + usable receivables may last.

Action

Speed collections or bridge timing with approved options.

Apply for Cash Advance Request On‑Site Processing

Informational only. Not an offer or financial advice.

Receivables Velocity (DSO) Estimator

Estimate how quickly you collect receivables and what that implies for liquidity.

Accounts receivable (total)

Monthly sales (approx.)

Lower DSO generally means faster collections.

Daily sales (approx.)

Estimated DSO

0 days

Goal

Tighten

Improve invoicing and follow‑up.

Simplified estimate; may not reflect your accounting method.

Cash Advance Estimator (Illustrative)

Estimate total payback based on an illustrative factor rate. Not a quote or commitment.

Requested advance amount

Illustrative factor rate (e.g., 1.18)

Illustrative holdback % (if applicable)

Final structure depends on underwriting and compliance review.

Factor rate

0.00x

Total payback (illustrative)

Holdback

Illustrations are educational only; terms may differ.

Funding Readiness Score

A fun self‑check to see how “underwriting‑ready” your documentation looks.

Business age

Bank statements available

Receivables documentation

Payment history consistency

Score

0/100

Status

—

Apply

If you’re ready, submit the full application.

Apply for Cash Advance Read Disclosures

For entertainment/organization only; does not predict approval.

Funding Capacity Estimator

An educational estimator that compares revenue, margin, liquidity, and requested amount.

Monthly revenue

Monthly expenses

Cash on hand

Requested amount

Educational only. Final eligibility depends on real review and documentation.

Estimated range

Support level

—

Margin

This is an illustration, not a quote or commitment.

Payroll Risk Calculator

Estimate whether your current cash plus near-term receivables comfortably covers payroll.

Next payroll amount

Cash on hand

Receivables arriving before payroll

Confidence factor %

Coverage

Risk

—

Gap

A simple planning model for educational use.