Loan payment scenario
Estimate a level payment using an amount, annual rate and amortization. Then move the rate or term to see how sensitive the payment is. The tool does not include every lender fee, tax or compounding convention.
Working-capital check
Enter current assets and current liabilities to calculate working capital and the current ratio. Use conservative values for inventory and receivables when testing a downside case.
Debt-service buffer
Compare cash available for debt service with annual principal and interest. A ratio is a prompt for investigation, not a universal pass or fail score.
Interactive tools
Loan payment scenario
$47,158 per year, using level monthly payments and a constant rate.
Working-capital check
Current ratio: 1.52. Review the timing and saleability of the assets behind the ratio.
Debt-service buffer
This is a planning prompt, not a lender threshold. Test a lower-revenue and higher-rate case.