Banking
Banking tools for business owners
I have spent more than 15 years as a business banker here in Central Virginia, sitting across the table from owners of dental practices, farms, auto shops, contractors, landscapers, and trucking companies. The best conversations always started the same way: the owner knew their numbers and came in organized. This section is meant to help you get there on your own time, with free calculators, checklists, and plain-English guides. No sign-ups and no sales pitch. Use what helps, and bring your questions to your own lender, accountant, or attorney.
Calculators
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Loan payment calculator
See your estimated monthly payment, total interest, and any balloon payment, with a month-by-month schedule.
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DSCR calculator
Check whether your business's cash flow covers its loan payments, and by how much.
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Break-even calculator
Find how many sales you need each month to cover your costs, or to hit a profit goal.
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SBA quick-check
Answer a few yes-or-no questions to spot possible issues with SBA's basic rules before you talk to a lender.
Templates and guides
Loan package checklist (PDF, XLSX)
The documents lenders commonly ask for, organized by loan type, so you can gather them before you apply.
12-month cash flow projection (XLSX)
Map out cash coming in and going out each month and spot tight months before they hit.
SBA 7(a) and 504 prep guide (PDF)
What each SBA program is for, how they differ, what to gather, and what to ask a lender.
DSCR worksheet (XLSX)
Work out your debt service coverage ratio step by step, with a filled-in example.
Personal financial statement walkthrough (PDF)
How to fill out a personal financial statement accurately, line by line, and the mistakes to avoid.
Sources and uses worksheet (XLSX)
Line up every project cost against every source of money, so you know if there is a gap.
Reviewed October 1, 2026 by Brandon Chiesa, a Central Virginia business banker with 15+ years of experience.
Estimates for education only. Not an offer of credit or a promise of approval. Actual terms depend on the lender and credit approval. Not affiliated with any employer. Read the full disclaimer.