# 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.

Canonical page: https://www.sbaexpress.loans/tools/
Last checked: 2026-11-09

## 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.

- [Business loan payment: Payment, total interest and APR on any loan](https://www.sbaexpress.loans/tools/business-loan-payment/)
- [Merchant cash advance true cost: A factor rate turned into an APR](https://www.sbaexpress.loans/tools/mca-true-cost/)
- [Invoice factoring cost: What factoring really costs](https://www.sbaexpress.loans/tools/invoice-factoring-cost/)
- [Equipment lease or buy: Which one costs less](https://www.sbaexpress.loans/tools/equipment-lease-or-buy/)

## Whether your cash flow can carry it

A lender tests whether your cash flow covers the payments. See the ratio before you apply.

- [Debt service coverage: Whether cash flow covers the payment](https://www.sbaexpress.loans/tools/debt-service-coverage/)

## SBA Express calculators

These run on SBA's program limits: rate caps, maturity rules and the FY2027 fee schedule.

- [SBA Express payment calculator: Payment, today's maximum rate and the guaranty fee](https://www.sbaexpress.loans/sba-express-payment-calculator/)
- [SBA Express line of credit calculator: Draw period, term-out and the payment step-up](https://www.sbaexpress.loans/sba-express-line-of-credit-calculator/)
- [SBA guaranty fee calculator: The FY2027 fee on any loan size](https://www.sbaexpress.loans/sba-guaranty-fee-calculator/)
- [SBA maximum rate today: The cap by loan size, updated from Prime](https://www.sbaexpress.loans/rates/)

## Find lenders and check SBA's rules

- [Find loans like yours: Who approved loans like yours, and at what rate](https://www.sbaexpress.loans/tools/find-loans-like-yours/)
- [Lender finder: Which lenders are active for your state, industry and size](https://www.sbaexpress.loans/tools/lender-finder/)
- [Am I small?: SBA's size standard for your industry code](https://www.sbaexpress.loans/tools/am-i-small/)
- [Am I eligible?: SBA's ineligible business types](https://www.sbaexpress.loans/tools/am-i-eligible/)
- [Can SBA refinance this?: Which debts SBA will refinance](https://www.sbaexpress.loans/tools/can-sba-refinance-this/)

## 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](https://www.sbaexpress.loans/partners/) 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](https://www.sbaexpress.loans/sba-express-api/). 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.