Business Banking
Business & Loan Calculators

From product profit margins to buy vs. lease decisions, our business and loan calculators will help you make educated and strategic business decisions. *

Each calculator features interactive calculations and fully custom reports that are printable, making it easy for you to save your work. 

Business Calculators
Cash Flow Having adequate cash flow is essential to keeping your business running. Use this calculator to help you determine the cash flow generated by your business.
Debt Service Coverage Calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
Equipment Buy vs Lease Should I buy or lease my next equipment purchase? Find out with this calculator!
Financial Ratios Calculator This calculator helps you to zero in on areas of your business that may need attention. Target areas include solvency, liquidity, operational efficiency and profitability.
Inventory Analysis How much stock should I keep on hand? Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
Profit Margin How much should I sell my products or services for?  This calculator can help you determine the selling price for your products to achieve a desired profit margin.
Working Capital Needs Working capital is essential to running your business. This calculator assists you in determining your working capital needs for the next year.


Loan Calculators
365/360, Amortizing Loan Calculator Use this calculator to create an amortization schedule for a loan that uses a 365/360 schedule.
Amortizing Loan Calculator Enter your desired payment - and calculate your loan amount. Or, enter in the loan amount and calculate your monthly payment!
Commercial Loan Calculator Use this calculator to help estimate your debt ratio.
Contribution Margin Approach to Cost-Volume-Profit Analysis This chart enables you to visualize the components of costs and revenue from a Contribution Margin point of view.
Loan Comparison Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

*Calculations should be considered general guidelines, not definite numbers. Please contact an American River Bank team member for specific information.