Exclusive
Business Decision X-Ray
Can I afford to hire, expand or take this order — and on what day would my cash break?
For business
Decisions, Cash Flow & Risks
11 tools + 10 free calculators
Decisions & Cash Flow
Exclusive
Free Business Stress Test
How long will my cash last, and what breaks first? Free, in seven minutes.
Financing, Credit & Equipment
Interactive tool
Business Debt & Refinance Lab
Compare business loans and refinancing offers by their full cost, payment dates and the cash they leave your business.
Interactive tool
Customer Credit & Payment Terms Lab
Test a customer’s next order against your credit limit, cash reserve and acceptable loss before agreeing to payment terms.
Interactive tool
Equipment Buy, Lease & Replace Lab
Compare keeping, repairing, buying, leasing, renting or outsourcing equipment by lifetime cost, capacity and cash requirements.
Interactive tool
Business Purchase & Seller Numbers Check
Check the seller's earnings adjustments, the cash needed at closing and what the business could leave you after debt.
Business Resilience
Business Fragility X-Ray
What one thing must disappear tomorrow to stop your business — and the cheapest way to fix it.
Supplier & Payment Checks
Interactive tool
Purchase & Invoice Match
Check what you ordered, what arrived and what you are being asked to pay.
Interactive tool
Supplier Bills & Payment Run Planner
Decide which supplier bills to pay, when to pay them and whether the plan keeps your cash reserve intact.
Chargebacks & Payment Disputes
Free calculators
- Cash runway calculatorHow many months your cash lasts — now, with no sales, and if sales fall.Free
- 13-week cash flowCash week by week for 13 weeks, and the first week that breaks.Free
- Sales drop calculatorHow far sales can fall before you lose money or run out of cash.Free
- Payment terms calculatorWhat Net 60 or Net 90 does to your cash — before you agree to it.Free
- Deposit calculatorThe smallest deposit that keeps a big order from draining your cash.Free
- Deal safety calculatorWhether a big order keeps your cash safe until the customer pays.Free
- Customer concentration calculatorWhich customer's loss would put you in the red — and how fast.Free
- Can I afford to hire? calculatorMonth-by-month cash test of a new hire — and the most you can pay.Free
- Loan & cash advance costThe true APR of a loan or cash advance, from its payments.Free
- Cash conversion cycleHow many days your cash is stuck, and how much money that ties up.Free
