Tools
Instruments, not brochures.
The numbers a business borrower actually needs, computed in the open. No email gates, no sign-up walls, no PDF in exchange for your inbox — the answer is the page.
Equipment finance calculator
Chattel mortgage repayments with the balloon done honestly — monthly figure, total interest, and what the balloon really defers.
CalculatorCash advance true cost
Turns a factor rate into an effective annual rate. The arithmetic every merchant cash advance offer leaves out.
CalculatorLoan offer comparison
Two offers, one honest answer: which costs less over its life once rate, term, and fees are all counted.
Live dataThe rate observatory
Lender-advertised business rates, read every day and kept as a record. The market's public statements, with dates attached.
More instruments are on the bench. Everything here is arithmetic and public data — never a quote, never a recommendation, and never a gate. If there is a number you keep having to work out by hand, tell us and we will build it.