Free tools
Free business finance tools
Can your business repay a term loan?
DSCR calculator
Enter profit, depreciation, interest and instalments to see your Debt Service Coverage Ratio the way a lender calculates it.
Use it freeHow much of your cash credit limit can you use?
Drawing power calculator
Work out drawing power from your stock, receivables and creditors, and see how much you can actually draw this month.
Use it freeIs moving your loan to another lender worth it?
Loan takeover calculator
Term loan, CC/OD or business loan: compare a takeover offer, include processing and foreclosure costs, and see your net saving and break-even.
Use it freeWhat will the CGTMSE guarantee cost you?
CGTMSE fee calculator
Annual guarantee fee from the official April 2025 slabs, with the 10% concessions for women, the Northeast and ZED units, year by year.
Use it freeCan the bank ask you for collateral?
Collateral-free loan check
Find your MSME category and see what the RBI's ₹20 lakh rule and CGTMSE mean for the loan you are planning.
Use it freeWhat does the loan really cost each year?
True cost of your loan (APR)
Processing fees and up-front charges make the real yearly cost higher than the quoted rate. Work out the APR, including for flat-rate loans.
Use it free