Capital & decisions

Lease or buy, build or buy, borrow or wait — with the numbers attached.

• Balloon Payment Loan Calculator

  The monthly payment, the lump sum due at the end, and what the lower payment costs.

  Replaces: Equipment-finance broker quotes

• Build vs Buy Software

  The licence looks expensive until you price what building it really costs.

  Replaces: Vendor business cases and internal engineering estimates

• Business Loan Refinance Break-Even

  When switching to a cheaper business loan pays back its fees, if it ever does.

  Replaces: Broker refinancing quotes

• DSCR & Covenant Headroom

  How far earnings can fall before your lender has a right to act.

  Replaces: Bank relationship conversations you would rather have prepared for

• Economic Order Quantity & Reorder Point

  How much stock to order at a time, and the stock level at which to place the next order.

  Replaces: Inventory planning modules in ERP software

• Equipment & Automation ROI

  What a machine or a system pays back, and when.

  Replaces: Vendor ROI calculators built to flatter the vendor

• Lease vs Buy (After-Tax NPV)

  Which is genuinely cheaper once tax relief, residual value and time are priced in.

  Replaces: The analysis accountants charge to produce

• Loan True Cost & Effective APR

  What a business loan really costs once the fees are counted as interest.

  Replaces: Broker spreadsheets and lender-supplied illustrations

• Marketing Campaign Profit & ROAS

  Whether a campaign made money after margin, returns and fees — not just what ROAS it hit.

  Replaces: Agency ROAS reports

• NPV & IRR Project Evaluator

  Whether an investment is worth making, in today’s money.

  Replaces: Corporate finance templates and paid modelling add-ins

• WACC Calculator

  What your money costs — the hurdle every investment has to clear.

  Replaces: Corporate finance templates and valuation course material