Free Business Tools

Business Loan Readiness Calculator

See how prepared your business may be for financing and identify areas you can strengthen before applying.

Business Valuation Assessment

Estimate a value range for your business using normalized earnings, industry context, assets, growth, customer concentration, owner dependence, and transferability.

Results are estimates and are not a professional appraisal or formal valuation.

SBA Application Builder

Organize the information and documentation commonly needed when preparing an SBA loan application yourself.

BusinessLoanPrograms.com is not the SBA and does not submit, review, or approve SBA loans.

Business Financing Offer Comparison

Enter financing offers the way you received them and compare net cash, total cost, payment burden, and terms side by side.

Business DSCR Calculator

See whether your business cash flow covers current debt payments — and what a new payment could do to that coverage.

Providers calculate cash flow and coverage differently. Results are educational, not an eligibility determination.

Business Cost of Debt Calculator

Add the business debt you already have and see total balances, monthly payment burden, remaining cost, and how each debt compares.

Estimates based only on the information you enter. Not a payoff quote or an offer.

Business Loan Payment Calculator

Estimate payments, total repayment, and financing cost — and see what a payment could represent as a share of monthly revenue.

SBA Eligibility Checker

Answer preliminary questions to see whether your business could be worth reviewing for SBA-backed financing.

Preliminary information only. Eligibility is determined by participating lenders and applicable program rules.

Business Loan Document Checklist

Generate a personalized checklist of documents financing providers commonly request for your situation.

Financing Cost Calculator

Compare what a financing offer actually costs using amount received, total repayment, fees, and term.