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.
|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.|
|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.