Calculator
Business debt consolidation calculator: cash flow freed and total owed
Paying on two or three fundings at once can drain daily cash flow. Enter what you pay now and the consolidation offer you are comparing to see how the weekly payment and the total you owe would change.
Consolidation savings calculator
Enter what you pay now on up to three fundings, then the consolidation offer you are comparing. The example numbers are placeholders. Replace them with your own.
The full payback amount on the offer
Shows payments as a share of your monthly deposits
Illustrative estimate, not an offer. Daily payments are counted as five business days a week and the new payment is spread evenly over the term. Your actual terms depend on the funding partner and your file.
How do you know if consolidating business debt saves money?
Compare two numbers side by side: what you pay each week, and the total you still owe. A consolidation replaces several payments with one. It helps when it lowers the weekly payment, the total owed, or both. Often the payment falls because the term is longer, while the total goes up. This calculator shows both, so you can see the trade before you talk to anyone.
How to use the calculator
- Enter each funding you are paying now. Use the remaining balance from your latest statement or payoff letter, the payment amount, and how often it is collected.
- Enter the consolidation offer. Use the total amount you would repay and the term in months.
- Add your monthly revenue if you want to see payments as a share of your deposits.
- Read the two results together. Cash flow freed each month, and the difference in total owed.
If you do not have an offer yet, try a few terms to see what payment your cash flow could carry comfortably.
How the math works
- What you pay now, per week. Daily payments are multiplied by five business days. Monthly payments are converted to a weekly figure. All fundings are added together.
- New payment, per week. The total you would repay, divided by the number of weeks in the term.
- Cash flow freed each month. The weekly difference, converted to a monthly figure.
- Difference in total owed. The new total to repay, minus the balances it replaces.
The calculator does not include funds held back at closing or extra cash added to the new funding. If the offer includes new money on top of the payoffs, the new total will be higher for that reason.
What the result means
| Result | What it tells you |
|---|---|
| Payment down, total owed down or flat | The strongest case. You pay less each week and no more overall. |
| Payment down, total owed up | The most common case. You gain cash flow now and pay more over time. It can still be the right move if the freed cash keeps the business healthy. |
| Payment not lower | Consolidation does not help on these numbers. A longer term or a different structure may change that. |
A useful test: would the cash freed each month cover something that matters, such as payroll, inventory or a supplier you are behind with? If yes, the trade may be worth it. If the extra cash has no job, keep looking.
When consolidation makes sense
- Payments are squeezing daily operations. Several daily or weekly debits leave too little for payroll and suppliers.
- Revenue is steady. The business is healthy but the payment schedule is too tight.
- You want one payment and one contact. Fewer debits are easier to plan around.
It is the wrong tool when revenue is falling month after month, or when the plan is to take new funding again right after. Consolidating and then stacking new fundings on top puts a business in a worse position than before. More in second position vs consolidation.
What to have ready
- Your last 3 months of business bank statements (4 months in California, New York and Virginia).
- The current balance and payment for every funding. A payoff letter from each funder is best.
- Your funding agreements, if you have them.
- A short application.
Disclose every balance. They show on your statements, and a full picture lets your specialist build an offer that pays everything off in one step.
How RAN Funding helps with consolidation
RAN Funding is a business financing company, not a bank. You complete one application for our lender network and work with one dedicated specialist, who reviews your statements and current balances and tells you honestly whether consolidation improves your position. Our programs are built for established businesses: most clients have 1+ year in business and $20,000+ in monthly revenue. Read more about business debt consolidation and consolidating advances.
Common questions
Is this consolidation calculator free?
Yes. It runs in your browser, and nothing you type is sent or saved.
Why does the total owed sometimes go up when the payment goes down?
Because the new funding usually runs over a longer term. A longer term lowers each payment and raises the total repaid. The calculator shows both so you can weigh the trade.
Where do I find my remaining balances?
On your latest statement from each funder, or by asking each one for a payoff letter. A payoff letter gives the exact amount needed to close the balance.
How are daily payments counted?
As five business days a week, which is how most daily payments are collected.
Can I consolidate two or three fundings into one?
Often, yes, when the business has steady revenue to support the new payment. Your specialist reviews your statements and balances and tells you what is realistic.
Is RAN Funding a direct lender?
No. RAN Funding is a business financing company that works with a network of lenders and funding partners. You complete one application and work with one dedicated specialist.
See if consolidation improves your cash flow
One application for our lender network, one dedicated specialist. We review your balances and tell you honestly whether it helps.