Calculators & tools
Every calculator shows its formula and assumptions — no black boxes. Run the numbers before any application so you know what an offer should look like, and share results with a link.
Business Loan Calculator
Estimate the monthly payment, total interest, and total cost of an amortized business term loan.
Open the calculator →Line of Credit Calculator
Estimate interest costs on a business line of credit based on how much you draw and how fast you repay.
Open the calculator →Factor Rate to APR Converter
Convert a factor rate quote into an estimated APR so you can compare it against loans and lines of credit.
Open the calculator →DSCR Calculator
Calculate your debt-service coverage ratio — the cash-flow test many lenders apply before approving business financing.
Open the calculator →Startup Cost Calculator
Add up one-time and monthly startup costs to estimate how much money you need to launch — and how much runway you have.
Open the calculator →
Numbers first. Applications second.
Knowing your payment, total cost, and coverage ratio before you apply puts you in control of the conversation with any provider.
BluLoans is not a direct lender. We may receive compensation when users connect with participating funding providers. Checking available options does not guarantee approval.