Use our free calculators to estimate payments, plan cash flow, and compare common financing scenarios before you apply. Built for Canadian business owners who want fast, clear numbers for equipment, working capital, factoring, and growth planning.
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Get an instant monthly payment estimate for any piece of equipment — trucks, trailers, machinery, or heavy equipment. Adjust your down payment, rate, and term to find a structure that fits your cash flow.
Compare a loan against a lease side by side — or run two loans or two leases head to head. See the true all-in cost including residual value, advance payments, and total interest paid.
Generate a full month-by-month payment schedule showing how your principal balance decreases over time. Useful for planning early paydowns or understanding equity buildup on financed equipment.
See how much you could save by refinancing existing equipment debt at a lower rate or longer term. Compare your current payment against a new structure to model cash flow improvement.
Estimate annual depreciation using straight-line or declining balance methods. Useful for budgeting, tax planning, and understanding CCA (Capital Cost Allowance) deductions in Canada.
Find out how much working capital you can unlock by factoring outstanding invoices. See the net amount received after fees — built for trucking and manufacturing businesses with 30–90 day payment cycles.
Estimate monthly payments on a term loan for any business purpose — expansion, repairs, hiring, or working capital. Adjust rate, term, and amount to model different financing scenarios.
Map out your monthly cash inflows and outflows to spot tight periods before they happen. Use it to time a financing application or plan around seasonal revenue swings.
Calculate your DSCR to see if your net operating income can support a new debt payment. Most Canadian lenders require a DSCR above 1.25 — check yours before you apply.
Find the exact revenue or unit volume needed to cover your fixed and variable costs. Helpful for pricing decisions, new equipment purchases, or assessing business viability.
Estimate loan payments for a franchise purchase, equipment package, or build-out. Input your total project cost, interest rate, and term to see monthly payment projections.
Calculate the return on investment for an equipment purchase, factoring in revenue generated, operating costs, and CCA tax deductions. See whether the numbers justify the financing before you commit.
Estimate your Earnings Before Interest, Taxes, Depreciation, and Amortization — the key metric lenders use to assess business health. Useful for preparing your financials ahead of a loan application.
Get a rough valuation estimate for your business using earnings-based multiples. Useful for buyout planning, partnership discussions, or understanding your position before seeking growth capital.
Measure how much of your business is financed by debt versus owner equity. Lenders review this ratio to assess risk — understand where you stand before submitting a financing application.
Calculate the present value of a future payment stream or residual amount, commonly used in lease pricing and deal structuring. Useful for understanding the time value of money in complex financing arrangements.
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