Business financing calculator lab
Compare cash-flow mechanics before considering an application. CBL is not a lender. These tools provide illustrations, not approvals or quotes.
Loan / equipment loan
Enter valid assumptions to calculate.
Line-of-credit interest
Enter valid assumptions to calculate.
Factor-rate cash-flow calculator
Enter assumptions or contract figures. The prefilled scenario is a math example, not a provider quote or a credit-based price.
- Net proceeds
- $50,000.00
- Monthly payment
- $2,604.17
- Total repayment
- $62,500.00
- Financing charge
- $12,500.00
- Nominal annualized cash-flow rate
- 22.42%
- Effective annual cash-flow rate
- 24.87%
Total repayment = advance × factor. Solve net proceeds = Σ(payment / (1+r)^k); annual effective = (1+r)^paymentsPerYear − 1.
- Equal payments at the end of each specified period
- Upfront fee deducted from proceeds
- No variable sales remittances or balloon
- Annualized cash-flow estimates are not statutory APR disclosures
Illustrative estimate using your assumptions, not actual provider pricing or a financing offer. Fees, compounding, payment dates, taxes and contract terms may change results.
MCP also exposes invoice factoring, debt-service and working-capital gap calculations using the same tested formula library. No calculator determines provider eligibility.