Free Financial Tools
Use free, no-signup-required tools as a starting point for credit, debt, and borrowing research.
Use Tools With Local Research
These calculators and quizzes are educational planning aids. Use them alongside local guides, state lending context, provider categories, borrower answers, and CreditDoc research before contacting a company.
Courses And Checklists
Use these before or after a quiz result to understand the basics, organize documents, and avoid rushing into an application or paid service.
Loan Approval Readiness Toolkit
PrintableUse the toolkit before personal loan, business loan, credit card, debt consolidation, SBA loan, or cash-flow funding research.
Free Credit Fundamentals Course
Free courseEight self-paced modules covering credit scores, reports, debt management, credit repair, loans, scam avoidance, and consumer rights.
Credit Report Checklist
PrintableUse the checklist before disputes, credit repair research, loan applications, or provider conversations.
SBA Loan Calculator
New calculatorEstimate SBA loan monthly payments, total repayment, interest cost, fee impact, and payment pressure with editable assumptions.
Business Loan Calculator
New calculatorEstimate business loan payment, total interest, modeled fee impact, and revenue pressure before comparing funding options.
Commercial Loan Calculator
New calculatorEstimate commercial loan or commercial mortgage payments, balloon balance, closing costs, and debt-service coverage.
Business Line of Credit Calculator
New calculatorEstimate business credit line draw costs, interest, fees, payoff timing, and cash-flow pressure.
Equipment Financing Calculator
New calculatorEstimate equipment financing payments, down-payment impact, total interest, and repayment cost before comparing lenders.
SBA Guarantee Fee Calculator
New calculatorModel the guaranteed portion of an SBA loan and estimate guarantee-fee impact from editable lender-disclosure assumptions.
Accounts Receivable Financing Calculator
New calculatorEstimate invoice advance amount, reserve, fees, and net funds before comparing receivables financing or factoring options.
Working Capital Calculator
New calculatorEstimate working capital gap, runway, modeled loan payment, and short-term funding pressure before comparing options.
Credit Denial Action Checklist
New checklistOrganize an adverse action notice, credit report review, supporting documents, and next research steps before applying again.
State Consumer Credit Regulator Directory
New directoryFind state lending law starting points and official federal complaint resources before researching credit, debt, or finance providers.
Business Loan Readiness Quiz
New quizMap business age, revenue band, credit range, documents, funding use, and cash-flow pressure to CreditDoc business funding research paths.
MCA Repayment Calculator
New calculatorEstimate merchant cash advance payback, factor-rate cost, daily or weekly payment pressure, and holdback impact before comparing fast-funding options.
Bank Statement Cash Flow Calculator
New calculatorEstimate deposit trend, average balances, negative-balance days, and repayment load before comparing business funding options.
Credit Repair Qualify Quiz
New quizAnswer simple questions about credit report errors, collections, score pressure, and timeline to see which research path fits next.
Loan Denial Reason Checker
NewMap a denial notice and application profile to common review areas: credit, DTI, income proof, documents, business history, and lender fit.
What's My Borrowing Power?
60 secondsAnswer 5 quick questions to estimate borrowing capacity and see relevant research paths for your situation.
Debt Payoff Calculator
NewCompare snowball vs. avalanche strategies and estimate payoff timing, total interest, and monthly payment order.
Credit Score Simulator
NewSee how paying off debt, opening new accounts, or missing payments could affect your credit score.
More tools coming soon. Back to CreditDoc