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Business Debt Facility Calculator + Smart Bridge

💡 WHY this matters:
Financial consultants charge $5K-$15K for debt facility analysis. Our AI does it FREE + generates professional PDF reports that brokers sell for thousands.
🔧 HOW we optimize:
AI analyzes 50+ debt facility options instantly. No more paying brokers $10K+ to do what our algorithm does in seconds.
📊 WHAT you get:
Professional-grade PDF analysis (worth $5K+) + direct lender connections. Become your own debt consultant with EVA Fi AI.
🚀 WOW factor:
Skip the $15K consultant fees entirely. Get broker-level analysis instantly + keep 100% control of your sensitive business data.

Become your own financial consultant with FREE AI-powered debt facility analysis. Skip $15K+ broker fees and get professional-grade recommendations instantly.

Business Information

Select roles and add ownership details
Total ownership: 100.00%

Choose Facility Types

Working Capital Loan

Short-term financing for operational expenses and cash flow

Rate: 7.5% - 17%
Max Amount: $500K - $10M
Term: 3-36 months

Business Line of Credit

Revolving credit facility for ongoing business needs

Rate: 7.5% - 27%
Max Amount: $10K - $5M
Term: 12-24 months

Asset-Based Lending (ABL)

Secured lending against business assets like inventory and receivables

Rate: 7.5% - 14%
Max Amount: $1M - $100M+
Term: 1-5 years

Equipment Financing

Loans specifically for purchasing business equipment

Rate: 7.5% - 22%
Max Amount: $10K - $5M
Term: 2-10 years

SBA 7(a) Loan

Government-backed loans for various business purposes

Rate: 7.5% - 17.0%
Max Amount: $5M
Term: 7-25 years

Merchant Cash Advance (MCA)

Advance against future credit card sales

Rate: 28% - 65% APR
Max Amount: $5K - $2M
Term: 3-18 months

Invoice Factoring

Sell invoices for immediate cash flow

Rate: 1% - 5% per month
Max Amount: $10K - $10M+
Term: 30-90 days

Revenue-Based Financing

Capital in exchange for percentage of future revenues

Rate: 7.5% - 22%
Max Amount: $50K - $20M
Term: 2-5 years

Bridge Financing

Short-term financing between major funding rounds

Rate: 7.5% - 20%
Max Amount: $100K - $50M
Term: 6-24 months

Business Term Loan

Traditional fixed-term business loan

Rate: 7.5% - 14.5%
Max Amount: $25K - $5M
Term: 1-10 years

Short-Term Business Loan

Quick funding for immediate business needs with shorter repayment terms

Rate: 7.5% - 20%
Max Amount: $10K - $1M
Term: 3-18 months

Medium-Term Business Loan

Balanced financing option for established businesses with moderate growth plans

Rate: 7.5% - 16%
Max Amount: $50K - $3M
Term: 2-5 years

Long-Term Business Loan

Extended repayment terms for major investments and expansion projects

Rate: 7.5% - 12%
Max Amount: $100K - $10M
Term: 5-25 years

Secured Term Loan

Asset-backed term loan with lower rates and higher amounts

Rate: 7.5% - 11%
Max Amount: $100K - $20M
Term: 3-15 years

Unsecured Term Loan

No collateral required but higher rates and stricter qualification

Rate: 7.5% - 22%
Max Amount: $25K - $2M
Term: 1-7 years

Invoice Financing

Borrow against outstanding invoices while retaining control

Rate: 1% - 3% per month
Max Amount: $10K - $10M
Term: 30-90 days

Inventory Financing

Specialized funding for inventory purchases

Rate: 7.5% - 27%
Max Amount: $50K - $10M
Term: 6-36 months