Free tools from Valcor
Free business debt tools for small business owners
Three free, confidential business debt tools that show where you stand on loans, cash advances and personal guarantees. You see your results right away, with no sign-up needed.
2 minutes
Business Debt Stress Test
Answer 10 quick questions and get a score that shows how much pressure your debt is putting on the business, and where it’s coming from.
Take the test
1 minute
MCA Calculator
Turn the factor rate on your merchant cash advance into a true annual percentage rate (APR) and see the total cost.
Calculate your APR
3 minutes
Personal Guarantee Calculator
Add up the leases, loans, cash advances and cards you’ve personally guaranteed, and see what you could owe yourself.
Check your exposurePrefer to talk it through? The first consultation is free and confidential.
Why we built these free business debt tools
Most owners who call Valcor waited too long. They knew the payments felt heavy, but they didn’t know how heavy, what their cash advances really cost, or how much of their own money was on the line. These free business debt tools answer those questions in a few minutes, before the problem gets harder to fix.
Each tool runs in your browser. Nothing you enter is stored or sent unless you ask for an emailed report, and your results are yours to keep.
Which tool should you start with?
If you’re not sure where you stand, start with the Business Debt Stress Test. It looks at your debt, taxes, cash flow and creditor pressure together and points to the biggest risks. If you carry one or more merchant cash advances, the MCA calculator shows what each one really costs. Finally, the Personal Guarantee Calculator shows how much of your house, savings and other personal assets are tied to the business.
What to do with your results
A high score or a large number isn’t a verdict. In fact, businesses that act early usually have more options, from renegotiated terms to a structured settlement with creditors. Valcor has helped small and mid-sized businesses work out terms with their creditors since 1994. Learn more about business restructuring, debt mediation and lending, or book a free review with a consultant.
These tools give estimates for planning only and are not legal, tax or financial advice. © 2026 Valcor. All rights reserved. These tools may not be copied or reproduced without permission.