🧮 Free Tools

Free Business Funding Calculators & Tools

Instant results, no signup, no hard credit pull. Find your funding match, convert factor rates to APR, compare lenders side by side, and check SBA eligibility — all free.

FundingExplained.com — Independent US small business funding resource. Not a lender. Not financial advice.

All Free Tools

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Calculator · 0% Interest
0% Startup Funding Calculator
Find out how much startup capital you qualify for at 0% interest for up to 18 months — based on personal credit, no equity required.
Check my eligibility
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Quiz · 2 Minutes
Business Funding Quiz
Answer 6 quick questions and see every funding option you actually qualify for — no hard credit pull, instant results.
Take the free quiz
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Finder Tool
State & Industry Funding Finder
Find funding options matched to your state, industry, and credit score — including which states require lender rate disclosures.
Find my funding options
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Calculator
Factor Rate Calculator
Convert your MCA factor rate to a true APR, see total repayment cost, and compare offers on an apples-to-apples basis.
Calculate my true cost
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Calculator
Invoice Factoring Calculator
See exactly how much cash you’ll receive today, your total factoring fee, and net cash from any invoice — updated instantly.
Calculate my cash flow
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Comparison Tool
Lender Comparison Tool
Compare MCAs, invoice factoring, SBA loans, credit lines, and more side by side — real costs, credit requirements, and funding speed.
Compare funding options
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Calculator
SBA Loan Eligibility & Payment Calculator
Check whether you likely qualify for an SBA 7(a) loan, then calculate your estimated monthly payment and total cost.
Check my SBA eligibility

More free tools are added regularly. Check back for new calculators and finders as they launch.

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