Small Business Funding Toolbox — Free Calculators, Decoders & Triage Tools

When something just went wrong

Triage tools for time-pressed moments.

Pick your decline reason — see what the underwriter actually saw, how fixable it is, and what's realistically still open to you.

Enter days-until-payroll and the shortfall. Get every realistic option ranked by speed and cost — free levers first, borrowing last.

Model the numbers before you sign anything.

Job value, deposit, materials, labor, payment delay — see your cash position week by week and your worst-week gap before you bid.

Factor rates in plain math: advance × factor = total repayment, with estimated payment schedules. Know the full cost first.

MCA vs. SBA vs. line of credit vs. credit cards — total cost, APR-equivalents, and daily payment side by side.

The questions to ask about any advance offer — early payoff terms, holdback, total repayment — before your signature goes on it.

Know how your file reads to an underwriter.

A 0–100 self-assessment against the criteria revenue-based underwriters actually use. No credit pull, no login.

Deposits, ending balances, NSFs — what funders read in your last 6 months of statements and how to clean yours up in 90 days.

Everything to have in order before any funding application, so nothing stalls your file in underwriting.

50+ federal, state, minority, women, veteran, and corporate grant programs. Check money you never repay before borrowing any.

Recursos en español para dueños de negocio — escritos naturalmente, no traducidos a la fuerza: