Free app · No account · Yours to keep
The job’s finished. The check isn’t here yet. Payroll is Friday.
A free calculator for roofing, HVAC, and electrical contractors. See what financing really costs, whether your cash flow can carry the payment, and what to do about the gap — before you sign anything.
Built by an operator who was responsible for multi-unit P&Ls over 25 years. An independent guide — not a lender.
See the guides instead →
How it works
One free app, the guides, and a person on the other end when you're ready.
Get the app, run your numbers
Tell us where to send it and it's yours to keep. Model the financing you're weighing: cost, payments, APR, and cash-flow fit, all on your computer.
Read the guide for your trade
Plain-language guides on what roofing, HVAC, and electrical companies actually qualify for, and what each option really costs.
Get matched when you're ready
Send only the details you choose. We connect you with vetted funding partners. We're a guide, not a lender.
What’s in the calculator
Eight connected tools that all work from the same numbers you enter once.
Cost of Financing
Turn a factor rate and fees into the real total cost, the daily or weekly payment, and an estimated APR you can actually compare.
Cash Flow Check
See whether your monthly cash flow covers the new payment, with a debt-service coverage ratio and the cash left each month.
How Much to Borrow
Size an advance from your real payment gap and weekly burn, with a low / recommended / high range instead of a guess.
Compare Options
Put a merchant cash advance, a line of credit, a term loan, and invoice factoring on one cost basis and see which is cheapest.
Invoice Factoring
Work out the fee, the advance, and the net proceeds on a single invoice, plus an estimated APR.
Will It Pay Off?
Check how many months the extra profit from the money takes to recoup what the money costs you.
Extra Payments & Savings
For an amortizing term loan or credit line, see how a bigger monthly payment shortens the loan and cuts total interest.
My Assessment
A plain-English read on everything you entered: what your cash flow supports, what it costs, and where to look twice. No score, no grade.
Guides by trade
MCA, lines of credit, equipment financing, and invoice factoring compared, and what each trade actually qualifies for.
Working Capital for Roofing Contractors: The Complete Guide
Read the complete guide →
HVACWorking Capital for HVAC Contractors: The Complete Guide
Read the complete guide →
ElectricalWorking Capital for Electrical Contractors: The Complete Guide
Read the complete guide →
Trade Capital Guide is an independent resource built to help contractors understand and evaluate working capital options. We are not a lender. We connect contractors with a network of vetted funding partners to help them find capital suited to their business needs.
Trade Capital Guide vs. the alternatives
Free broker calculators are lead forms. Going direct shows you one product. Here’s where an independent tool fits.
| Trade Capital Guide | MCA “calculator” sites | Direct to one funder | Your bank | |
|---|---|---|---|---|
| Cost & APR shown before you apply | Yes, in the app | Yes, then a lead form | Only after you apply | Only after you apply |
| Compares MCA, LOC, term loan & factoring | Yes, side by side | No, one product | No | No |
| Cash-flow fit check (DSCR) | Yes | No | No | Part of underwriting |
| What it costs to use | Free, email to get it | Free, you're the lead | Free | Free |
| Neutral, not selling one product | Yes, independent guide | No | No | No |
| Your numbers leave your device | No, stays on your computer | Submitted as a lead | Yes | Yes |
| Trade-specific guidance | Roofing, HVAC, Electrical | Generic | Rarely | Generic |
Trade Capital Guide is an independent resource, not a lender. Always confirm total repayment, fees, and APR against a lender's written offer. See ourTerms.
The app is yours to keep — just tell us where to send it
We'll email you a link to open it. It installs to your phone or desktop, needs no account, and none of the numbers you enter are sent anywhere.