Financial Strategy
The tools on this page go beyond day-to-day bookkeeping and into the decisions that shape where a business is headed — what it's worth, how much debt it can carry, and how to plan for the cash swings that come with growth. These are the questions that come up when a contractor is talking to a bank, thinking about an ownership transition, or trying to get ahead of a seasonal cash crunch instead of reacting to it.
Business Valuation
Whether you're planning an eventual sale, bringing in a partner, or just want to know what you've built, these calculators approach valuation from different angles. No single method tells the whole story — using more than one gives you a range to work from rather than a single number that may not hold up to scrutiny.
The EBITDA Multiple Valuation calculator is the most common starting point, applying an industry multiple to your earnings before interest, taxes, depreciation, and amortization. For businesses where the owner's compensation and personal expenses run through the company, Seller's Discretionary Earnings (SDE) often produces a more realistic number, particularly for smaller, owner-operated companies. The Book Value calculator shows the accounting-based net worth of the business — assets minus liabilities — which serves as a floor rather than a market value. And the Revenue Multiple Valuation calculator offers a quick cross-check using top-line revenue, useful when earnings are inconsistent or when comparing against industry benchmarks.
Banking and Credit
These tools address the questions that come up when you're sitting across from a lender — or when you should be asking yourself these questions before that meeting happens.
Start with Debt Capacity to understand how much debt your cash flow can actually support, not just how much a bank might offer. The Borrowing Base calculator shows how a lender arrives at your available line of credit from your eligible receivables, including the cross-aging and concentration rules that catch contractors off guard. If you're comparing loan structures, the Loan Amortization Calculator breaks down payments and total interest across different terms, including balloon loan comparisons. Debt Service Coverage Ratio and Working Capital Ratio are the two metrics most lenders check first when evaluating whether a business can safely take on more debt.
For managing the timing side of credit, the Line of Credit Sizing calculator helps you arrive at a defensible number to request based on your actual seasonal cash flow swings, rather than guessing. And the 13-Week Cash Flow Forecast gives you the same rolling visibility tool that banks and CFOs use to catch a cash shortfall three weeks out instead of the day it happens.
Investment Decisions
Before committing capital to new equipment, a new location, or any major purchase, the Return on Investment (ROI) calculator lays out the full multi-year cash flow picture so you can see whether the investment pays for itself — and how long that takes — before you commit.
All Financial Strategy Tools