Business Capital Needs Calculator
Estimate a total capital requirement from your stated needs and objective, see it in context of revenue and cash, and get an educational set of financing topics to explore.
Explore your financing options
Optional. Share a few details and a financing professional can follow up about the structures relevant to your situation. Your calculator inputs are not sent — only what you enter below.
How this calculator works
The calculator adds your project, equipment, and working-capital figures into a total capital requirement (or uses a desired amount if you provide one), subtracts cash on hand to show an estimated capital gap, and expresses the requirement as a percentage of revenue for context. Based on your primary objective, it maps to financing topics that companies in similar situations commonly explore.
What it does not do
Does not assess creditworthiness, does not calculate a loan approval amount, and does not represent a financing offer. Outputs summarise the numbers entered; they do not incorporate underwriting, collateral quality, or provider criteria.
Inputs
- Annual revenue (USD)
- Cash available (USD)
- Existing debt (USD)
- Estimated project cost (USD)
- Equipment investment (USD)
- Working capital requirement (USD)
- Desired capital amount (USD)
- Primary objective
Outputs
- Estimated capital requirement
- Capital request as % of revenue
- Estimated capital gap after cash
- Existing liquidity vs project cost
Machine name for AI agents / WebMCP: calculate_business_capital_need. See the tool manifest.
Frequently asked questions
Does this tell me how much I can borrow?
No. It summarises the figures you enter and expresses them in useful ways. It does not assess creditworthiness or calculate a loan amount — availability is determined by a financing provider through underwriting.
What is a Capital Profile?
A short, structured summary of your primary objective, estimated capital requirement, and the financing topics that may be relevant. It is useful to bring to a conversation with a financing professional.
Is my information sent anywhere?
No. Every calculation runs in your browser. Nothing is transmitted unless you choose to submit the optional form after seeing your result.