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A lower monthly payment can hide a longer repayment period, new fees or a large final payment. Business Debt & Refinance Lab puts your existing debts and new offers on one dated cash calendar, so you can compare what changes before signing.
Enter the balances, fees, repayment schedules and settlement figures you actually have. Compare keeping the current debts, paying them off or replacing them with a new offer. See the total remaining payments, outstanding debt at the comparison date, lowest cash balance and first date your reserve is breached.
Every result separates money received, financing costs and repayment obligations. Unknown terms remain visible. The tool compares the information you enter; it does not provide loan approval or lender recommendations.
What you get
- Portfolio comparison: term loans, credit lines, fixed-payback and revenue-based advances, custom schedules.
- Dated schedules: monthly, weekly, daily and business-day payments, final payments and early settlement terms.
- Fee checks: money actually received after withheld fees, upfront costs, recurring fees and required insurance.
- Refinancing scenarios: keep the current debts or replace them with up to three offers side by side.
- Cash reserve tests on your own receipts and payments, with a stress case for slower and lower customer receipts.
- PDF and CSV reports, including a table of questions for the lender before signing.
How it works
- Add current debts. Balances, schedules, fees and early settlement terms — or the lender's own payment lines.
- Enter offers. Loan amount, withheld fees, upfront costs, schedule, insurance and the debts the offer would settle.
- Add cash dates. Customer receipts, payroll, rent and suppliers, your minimum reserve and a stress case.
- Compare. Full financing cost, debt still owed at the end date, lowest cash balance and first reserve breach for each option.
- Export questions for the lender. Print or export the comparison and a list of the terms to confirm before signing.
Limits
No lender connection; no loan approval; no universal statutory APR calculation. Results depend on the terms and cash dates you enter; revenue and stress figures are scenarios, not forecasts. It is not legal, tax or credit advice.
Questions
Does it use AI?
No. The tool uses explicit calculations and rules. Results depend on the records and assumptions you enter.
Do I need a subscription?
No subscription is required for the one-time purchase of this product. Access through TidyCents PRO follows the current PRO terms.
Where is my data stored?
Working records are stored on your device. Keep a backup, especially before changing browsers, clearing browser data or moving to another device.
Can several people edit the same workspace at once?
This version is designed for one local workspace. It does not provide simultaneous shared editing.
Can I move my records to another device?
Yes. Export a full backup and restore it in the same product on the other device.
Does it connect to my bank or accounting software?
This version works with direct entry and supported file imports. It does not automatically connect to your bank or accounting system.
Can I try it before buying?
Yes. The demo contains fictional records and prepared scenarios so you can inspect the screens and results before buying.
Is the rate it shows the APR on my loan documents?
No. It shows an effective annual rate of the dated cash flows you entered (Actual/365). Statutory APR rules differ by country and product, so the figure can differ from a disclosed APR. When several rates fit the same flows, no single rate is shown; the comparison then relies on the financing cost and the cash calendar.
What if I do not know the payoff amount or a fee?
Leave the field empty. Empty means unknown, not zero: the comparison lists the missing term, an offer with unknown costs is never recommended, and an unknown settlement amount blocks the refinancing result. The missing terms become questions for the lender.
Why is debt still owed at the end date part of the cost?
So that an option cannot look cheaper just because most of its payments fall after the comparison date. The financing cost counts everything paid to lenders, plus the debt still owed at the end date, minus the debt owed at the start and the money received.
Does it tell me which lender to choose?
No. It shows which of the options you entered has the lowest financing cost while keeping the cash reserve you set, and why. It does not approve loans or recommend lenders.
Business license for use in your own business. No resale or redistribution. Opens in your browser right after payment, on phone and computer. Your figures stay on your device. No physical item.
Business Debt & Refinance Lab
Compare business loans and refinancing offers by their full cost, payment dates and the cash they leave your business.
See what a new loan really changes before signing — buy once for $29.
- One-time purchase
- Full version of this tool on the site plus an offline version to download. One payment. The offline copy works without a subscription.
- Access with PRO
- Full version on the site while your PRO is active. Export of your results and backups is included. The offline program is bought separately.
Pay by card, Apple Pay or Google Pay
- Works in any country · your own currency
- Download link on the confirmation page and by email
- What you need: Interactive tool · modern browser · phone and computer · downloadable offline version · CSV & printable reports · 8 languages
- Refund within 14 days, for any purchase
- Formats: Interactive tool in your browser — phone and computer; PDF & CSV export
- Interactive tool · modern browser · phone and computer · downloadable offline version.
- Exact decimal calculations; every result shows how it was calculated.
- Effective annual rate by root search (Actual/365) with a warning when several rates fit.
- Your working records stay on your device. Export a backup to move them to another device.
- Use your own currency and enter the rates, costs and contract terms that apply to your business.
- CSV import of debts and cash items; CSV exports, printable A4 / US Letter reports and complete backups.
- 8 languages: English, Español, Deutsch, Français, Português, Italiano, Nederlands, Русский.
- One-time purchase.
Any purchase is refunded if you ask within 14 days of payment. Files that will not open, and anything that does not match its description, are refunded in full at any time, with no time limit.
