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Free Financial Calculator

Determine how a credit line from asset-based lending can grow the net profit of your business.

If you are planning new growth initiatives for your business, you are likely looking into many different funding options. That’s why we’ve built a free financial calculator for your business. You can use it to check out your current finances, which will show you just how a new credit line would impact your business. Use the financial calculator below to start mapping out what the net profit would be for your business with a new credit line from asset-based lending. We are confident the information will be insightful and useful to you.

Finance Calculator

Fill in the fields below to see how additional funding can make an impact.

Own funds (equity) in the business plus any trade payables and other credit
Current lenders funding
Current lenders interest rate %
Gross profit % %
Annual overhead
Number of months’ overhead you need to keep in reserve
Trade cycle (# of days from when you pay your supplier until you get paid for the sale)
 
With existing funding, total resources are
And with a trade cycle of days
...funds can be turned x per year
...at a gross profit % of %
This would yield revenue of
Gross profit would be
Less overhead
Net profit before interest would be
Less interest
Net profit after interest (before tax)
 
Now assume an asset-based lender, like Gerber Finance, replaces the current lender and provides a larger line of credit...
 
Line of credit from new lender
New lender's interest rate %
 
Under the new funding arrangement, total resources are now
On the same trade cycle you can still turn the funds x per year
...which could result in additional revenue of
...which translates into additional gross profit of
Assuming the same expense base, the only additional cost is interest of
So, the additional funds available, even at a higher interest rate will yield extra profit of
 
...for a total net profit pre-tax of

PLEASE NOTE:
This calculator is for illustration purposes only. To make a meaningful comparison, assumes 100% utilization of resources 100% of the time. We urge you to confirm any benefits with your accountant or financial advisor.

Ready to discuss how asset-based lending can help your business grow? Speak with a member of our experienced team.

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