FREE PLANNING TOOL

Business Funding Payment Calculator

How much cash would remain after another funding payment? Compare your monthly numbers and two slower-sales scenarios. No email required.

Your monthly numbers

All amounts in USD. Your entries stay in this page and are not submitted.

Monthly cash collectedMoney received from customers, rather than unpaid invoices.Monthly operating cash expensesInclude payroll, rent, inventory, taxes and owner draws. Exclude financing payments entered below.Existing monthly financing paymentsTotal all current loan and advance payments. Enter 0 if none.Proposed new monthly paymentThe additional payment you want to compare. Enter 0 to see your current position.

YOUR CASH FLOW SNAPSHOT

After the new payment

Enter all four amounts to see your estimate. Use 0 for any cost that does not apply. Amounts must be between $0 and $1 trillion.

A simple planning estimate, not a funding approval or personalized financial advice. It does not model payment timing, opening bank balance, fees, interest, or unexpected costs unless included in your inputs.

How the estimate works

Monthly cash collected − operating cash expenses − existing financing payments − proposed new payment = estimated cash remaining.

This is a cash-flow snapshot, not a profit calculation or a lending decision. Include all relevant cash expenses without counting the same payment twice. The calculator assumes each month looks like the figures you enter.

What about daily or weekly payments?

For weekly payments, multiply by 52 and divide by 12 for a monthly average. For daily payments, multiply by the actual number of scheduled payment days in the month. Use your agreement’s payment schedule; business-day and calendar-day schedules differ.

Does a positive number mean I can afford funding?

No. Monthly totals do not show whether cash arrives before a payment is due. Taxes, seasonal changes, emergencies and a cash reserve can also change the picture. The 10% and 20% reductions are hypothetical comparisons, not predictions or eligibility thresholds.

Is this a loan quote?

No. This tool does not calculate APR, total repayment cost or an approved funding amount. Loan Sweet Loan is a lead-generation and referral platform, not a lender or broker. Independent providers determine eligibility and terms.

Continue with our existing financing guide or funding document checklist.

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Start with the essentials. Financial amounts and bank statements are optional.

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