Small business loan calculators and tools
Short answer
Free calculators for business loan payments, merchant cash advance APR, invoice factoring, equipment leases and debt service coverage. SBA Express tools and SBA rule checks are here too. The math runs in your browser, and each calculator explains its method.
What a loan or an advance really costs
Start with the numbers on your offer. These tools turn them into a payment, a dollar cost and a rate you can compare.
Whether your cash flow can carry it
A lender tests whether your cash flow covers the payments. See the ratio before you apply.
SBA Express calculators
These run on SBA's program limits: rate caps, maturity rules and the FY2027 fee schedule.
Find lenders and check SBA's rules
Put a tool on your site
Every calculator and tool on this page has an embeddable version at /embed/<tool>/ with a link back to this site. Each tool's page has the code to copy. On the tools under /tools/, add ?partner=YOUR-NAME so visits carry your organization's name. The partners page has the code for those tools on one page.
Using these tools from an AI agent
Every tool on this page has an agent call. Agents that connect over MCP can run each one through the SBA Express API and MCP server. Where a browser supports WebMCP, each tool's page also registers itself through navigator.modelContext. A call returns the result and a link that reopens the tool with the same figures.
Ready to ask a lender
Tell us what the business needs, and we route your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.