Tools
Free Invoice and Freelance Business Tools
Choose a focused workspace for invoices, cash flow, pricing, business financing, or an acquisition. Search all 82 tools or browse by workflow.
82 tools available
Invoices & cash flow
Invoices & cash flow
Create invoices, manage receivables, and plan collections.
Invoice Generator
Create a printable invoice with tax, due date, notes, and payment instructions.
Interactive toolInvoice Tracker
Track multiple payments per invoice, payment history, due dates, and outstanding balances in your browser.
Interactive toolInvoice Aging Calculator
Build current, 1-30, 31-60, 61-90, and 90+ day AR buckets manually or from local USD tracker balances.
Interactive toolPayment Plan Calculator
Create a payment schedule for overdue invoices with deposit, installments, due dates, and client wording.
Interactive toolCash Flow Forecast Calculator
Forecast 30, 60, and 90 day cash balance from starting cash, invoice collections, expenses, and owner pay.
Interactive toolDSO Calculator
Calculate days sales outstanding, target receivables, and the collection gap from credit sales and invoice balances.
Interactive toolAccounts Receivable Turnover Calculator
Calculate AR turnover ratio, average collection period, target AR, and collection improvement gap.
Interactive toolWorking Capital Calculator
Calculate net working capital, current ratio, quick ratio, liquidity buffer, and cash pressure.
Interactive toolCash Conversion Cycle Calculator
Calculate DIO, DSO, DPO, cash conversion cycle, and working capital cash tied up.
Interactive toolInvoice Factoring Calculator
Estimate factoring advance cash, reserve holdback, fees, net proceeds, and effective financing cost.
Interactive toolInvoice Financing Calculator
Estimate invoice financing advance cash, fees, repayment amount, net proceeds, and effective APR.
Interactive toolInvoice Financing vs Factoring Calculator
Compare cash today, total fees, net proceeds, and effective APR for two invoice funding options.
SBA financing
SBA financing
Estimate SBA payments, eligibility, equity, and lender readiness.
SBA Loan Calculator
Estimate SBA-style business loan payment, guarantee fees, packaging costs, net proceeds, and total cost.
Interactive toolSBA Loan Guarantee Fee Calculator
Estimate SBA upfront guarantee fees, guaranteed portion, packaging costs, financed fees, cash due at closing, and monthly fee cost.
Interactive toolSBA Loan Offer Comparison Calculator
Compare two SBA lender offers by monthly payment, guarantee fees, packaging costs, borrower cash, financed fees, and total cost.
Interactive toolSBA Loan Maximum Amount Calculator
Estimate the maximum SBA loan amount supported by business cash flow, DSCR, borrower cash, equity injection, fees, and financing limits.
Interactive toolSBA Loan DSCR Calculator
Calculate SBA loan debt service coverage ratio, required cash flow, DSCR cushion, stressed DSCR, and maximum supportable loan amount.
Interactive toolSBA Loan Eligibility Calculator
Check common SBA loan eligibility signals, including business type, U.S. operations, owner equity, credit, taxes, use of funds, cash flow, and size standards.
Interactive toolSBA Loan Document Checklist Generator
Build an SBA loan package checklist, readiness score, missing document list, and lender summary before applying.
Interactive toolSBA Loan Down Payment Calculator
Estimate SBA loan borrower injection, cash to close, guarantee fees, working capital reserve, financing amount, and cash shortfall.
Interactive toolSBA 7(a) Loan Calculator
Estimate SBA 7(a)-style payments, guarantee fees, net proceeds, borrower cash needed, DSCR, and sales needed.
Interactive toolSBA 504 Loan Calculator
Estimate SBA 504 project funding with bank loan, CDC debenture, borrower equity, fees, DSCR, and funding gaps.
Business acquisition
Business acquisition
Evaluate purchase structures, valuation, diligence, and sale proceeds.
Business Acquisition Loan Calculator
Estimate acquisition loan payments, seller note debt service, DSCR, buyer cash needed, and funding gaps.
Interactive toolBusiness Acquisition ROI Calculator
Estimate buyer cash invested, annual cash flow after debt service, cash-on-cash return, payback period, projected exit equity, MOIC, annualized return, and acquisition ROI status.
Interactive toolSeller Financing Calculator
Estimate seller note monthly payments, balloon balance, seller cash at closing, deferred proceeds, buyer DSCR, and acquisition funding gaps.
Interactive toolEarnout Calculator
Estimate business sale earnout payouts, caps, probability-weighted value, discounted value, seller cash at closing, and expected after-tax proceeds.
Interactive toolNet Working Capital Adjustment Calculator
Estimate target working capital true-ups, delivered NWC, price adjustments, buyer funding impact, and seller cash at closing.
Interactive toolDebt-Free Cash-Free Purchase Price Calculator
Convert enterprise value into cash-free debt-free equity value, seller proceeds, buyer funds needed, debt payoff, retained cash, and purchase price adjustments.
Interactive toolQuality of Earnings Adjusted EBITDA Calculator
Normalize reported EBITDA for owner add-backs, non-recurring items, pro forma payroll, QoE haircuts, valuation multiples, DSCR, and bankable cash flow.
Interactive toolCustomer Concentration Risk Calculator
Estimate customer concentration risk from top account revenue, top five share, replacement revenue, EBITDA at risk, valuation exposure, bankable EBITDA, and stressed DSCR.
Interactive toolSeller Discretionary Earnings Calculator
Calculate SDE from net income, owner compensation, discretionary add-backs, one-time expenses, non-recurring revenue, replacement manager salary, and capex.
Interactive toolBusiness Valuation Calculator
Estimate business value from SDE or EBITDA, valuation multiples, working capital, debt, buyer equity, financing capacity, and DSCR.
Interactive toolBusiness Sale Proceeds Calculator
Estimate seller net proceeds from a business sale after broker commission, advisory costs, debt payoff, holdback, taxes, and working capital adjustments.
Interactive toolBusiness Broker Commission Calculator
Estimate broker success fees, retainer credits, effective commission rate, seller cash after broker and debt costs, and proceeds target gaps.
Industry lending
Industry lending
Model financing for practices, properties, vehicles, and operating businesses.
Franchise Loan Calculator
Estimate franchise fees, buildout, equipment, inventory, borrower cash, loan payments, DSCR, and funding gaps.
Interactive toolRestaurant Loan Calculator
Estimate restaurant buildout, kitchen equipment, opening inventory, working capital, loan payments, DSCR, and required sales.
Interactive toolDental Practice Loan Calculator
Estimate dental practice purchase, startup costs, equipment, borrower cash, payments, DSCR, and funding gaps.
Interactive toolVeterinary Practice Loan Calculator
Estimate veterinary practice purchase, equipment, inventory, owner pay, borrower cash, payments, DSCR, and funding gaps.
Interactive toolMedical Practice Loan Calculator
Estimate medical practice purchase, equipment, EHR, working capital, physician pay, payments, DSCR, and funding gaps.
Interactive toolOptometry Practice Loan Calculator
Estimate optometry practice purchase, exam lanes, optical inventory, owner pay, payments, DSCR, and funding gaps.
Interactive toolChiropractic Practice Loan Calculator
Estimate chiropractic practice purchase, x-ray equipment, buildout, owner pay, payments, DSCR, and funding gaps.
Interactive toolPhysical Therapy Practice Loan Calculator
Estimate PT clinic purchase, rehab equipment, leasehold buildout, owner pay, payments, DSCR, and funding gaps.
Interactive toolMedical Spa Loan Calculator
Estimate med spa startup costs, lasers, treatment rooms, inventory, owner pay, payments, DSCR, and funding gaps.
Interactive toolDermatology Practice Loan Calculator
Estimate dermatology practice purchase, procedure equipment, treatment rooms, working capital, owner pay, payments, DSCR, and funding gaps.
Interactive toolPlastic Surgery Practice Loan Calculator
Estimate plastic surgery practice purchase, accredited procedure suite buildout, surgical equipment, working capital, owner pay, payments, DSCR, and funding gaps.
Interactive toolAmbulatory Surgery Center Loan Calculator
Estimate ASC acquisition or startup costs, operating room buildout, surgical equipment, case volume, net collections, payments, DSCR, and funding gaps.
Interactive toolUrgent Care Center Loan Calculator
Estimate urgent care purchase or startup costs, clinic buildout, X-ray and lab equipment, visit volume, reimbursements, payments, DSCR, and funding gaps.
Interactive toolImaging Center Loan Calculator
Estimate diagnostic imaging center purchase or startup costs, MRI and CT equipment, shielding, PACS, scan volume, net revenue, payments, DSCR, and funding gaps.
Interactive toolSelf Storage Loan Calculator
Estimate self-storage rent, occupancy, NOI, loan payments, DSCR, LTV, debt yield, and funding gaps.
Interactive toolHotel Loan Calculator
Estimate hotel ADR, occupancy, RevPAR, NOI, loan payments, DSCR, LTV, debt yield, and funding gaps.
Interactive toolCar Wash Loan Calculator
Estimate car wash traffic, average ticket, membership revenue, NOI, loan payments, DSCR, LTV, and funding gaps.
Interactive toolSemi Truck Loan Calculator
Estimate semi truck payments, balloon, mileage revenue, operating costs, DSCR, cash needed, and funding gaps.
Business financing
Business financing
Compare loans, credit, equipment financing, and refinance options.
Business Loan Calculator
Calculate business loan monthly payments, total interest, fees, net proceeds, and debt service.
Interactive toolBusiness Loan Prequalification Calculator
Estimate whether a requested business loan is likely to screen well based on payment, DSCR, revenue, credit score, time in business, collateral, and borrower cash.
Interactive toolBusiness Debt Consolidation Calculator
Compare existing business debt payments with a consolidation loan, monthly relief, payoff gap, total cost, and DSCR.
Interactive toolCommercial Mortgage Calculator
Estimate commercial real estate loan payments, LTV, DSCR, debt yield, cash needed, and balloon balance.
Interactive toolCommercial Bridge Loan Calculator
Estimate commercial bridge loan interest-only payments, points, LTV, LTC, exit proceeds, and funding gaps.
Interactive toolCommercial Refinance Calculator
Compare a current commercial mortgage with a refinance offer, cash out, LTV, DSCR, balloon balance, and break-even timing.
Interactive toolCommercial Construction Loan Calculator
Estimate construction loan draw interest, interest reserve, loan-to-cost, completed LTV, borrower cash, and exit refinance gap.
Interactive toolBusiness Loan Affordability Calculator
Estimate maximum affordable loan amount, net proceeds, payment capacity, DSCR, and sales pressure.
Interactive toolBusiness Loan Amortization Calculator
Create a business loan amortization schedule with principal, interest, extra payments, payoff date, and balance.
Interactive toolBusiness Loan Prepayment Calculator
Calculate whether extra payments or one-time prepayments save money after penalties and interest savings.
Interactive toolBusiness Loan Comparison Calculator
Compare two business loan offers by payment, total cost, fees, net proceeds, payoff term, and sales needed.
Interactive toolBusiness Loan APR Calculator
Estimate APR, effective annual rate, total repaid, finance charge, and cost per dollar received.
Interactive toolBusiness Loan Refinance Calculator
Compare existing and refinance loan payments, fees, total cost, monthly savings, and break-even time.
Interactive toolEquipment Financing Calculator
Calculate equipment financing monthly payments, fees, balloon balance, total cost, and DSCR cash flow need.
Interactive toolRevenue-Based Financing Calculator
Estimate revenue-based financing repayment caps, revenue-share payments, payoff timing, and effective APR.
Interactive toolWorking Capital Loan Calculator
Estimate working capital loan payments, net proceeds, total cost, runway added, and cash gap coverage.
Interactive toolBusiness Line of Credit Calculator
Calculate line of credit draw costs, interest-only payments, fees, repayment amount, and APR.
Interactive toolMerchant Cash Advance Calculator
Calculate MCA factor-rate payback, holdback payments, payoff time, and effective APR.
Interactive toolDebt Service Coverage Ratio Calculator
Calculate DSCR, total debt service, cash flow cushion, required coverage, and max supportable loan amount.
Pricing & client work
Pricing & client work
Set rates, quote projects, structure terms, and prepare follow-ups.
Freelance Rate Calculator
Calculate the hourly rate needed to cover expenses, taxes, and non-billable time.
Interactive toolProfit Margin Calculator
Check margin, markup, platform fees, and target price before quoting work.
Interactive toolPayment Terms Calculator
Calculate due dates, reminder dates, and estimated late fees.
Interactive toolEarly Payment Discount Calculator
Calculate early payment discounts such as 2/10 Net 30, discounted totals, and payment deadlines.
Interactive toolLate Payment Interest Calculator
Estimate overdue invoice interest, fixed late fees, grace days, and client-ready balance wording.
Interactive toolOverdue Invoice Email Generator
Draft due-soon, past-due, partial-balance, final notice, and deposit follow-up emails.
Interactive toolInvoice Number Generator
Generate invoice numbers with prefixes, dates, client codes, and padded sequence numbers.
Interactive toolQuote Generator
Build a project quote with scope, line items, deposit, and payment terms.
Interactive toolRetainer Calculator
Calculate a monthly retainer, included hours, discount, and overage rate.
Interactive toolTax and Discount Calculator
Calculate subtotal, discount, taxable amount, sales tax, and total due.
Interactive toolPayment Fee Calculator
Estimate processor fees and the gross amount needed to receive a target net payment.
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How the tools work together
Start with the rate calculator before quoting, test project profitability with the margin calculator, create the invoice, track it after sending, then use aging, payment plans, reminders, and cash flow forecasting when balances start getting old.