Enter an offer to see its total and cost. Below the calculator, four worked examples cover a cash book, the cash ratio, a cash flow loan installment and a cash reserve ratio, each computed by hand because the widget handles cash advances only.
Cash book calculator: how it works for Florida City, FL home builders
A cash book records every amount of cash coming in and going out, with a running balance after each line. For a home builder it shows whether the account can carry a materials order before the next draw. Illustration only, invented figures: one week for a Florida City, FL contractor:
| Entry | In | Out | Balance |
|---|---|---|---|
| Opening cash | $6,000 | ||
| Customer deposit, contractor kitchen job | $8,500 | $14,500 | |
| Lumber and drywall | $3,200 | $11,300 | |
| Crew payroll | $4,100 | $7,200 | |
| Draw from homeowner | $12,000 | $19,200 | |
| Truck payment | $690 | $18,510 |
The balance never drops below the opening $6,000, so this week needs no outside money. The cash advance calculator on this page does not keep a cash book; the table is worked by hand.
Cash ratio calculator: how it works for Florida City, FL home builders
The cash ratio divides cash and cash equivalents by current liabilities, the bills due within a year. Illustration only, invented figures: a home builder with $18,000 in the bank and $24,000 of supplier bills and loan payments due inside the year has a cash ratio of 0.75. A ratio above 1.00 would mean cash on hand clears every bill due inside the year. Below 1.00 means cash alone would not cover those bills; receivables and draws have to fill the rest. A funding partner can look at this ratio before offering a line.
Cash flow loan calculator for Florida City, FL landscapers
A cash flow loan is paid back on a schedule from the business's income. The widget on this page computes cash advances, not installment loans, so here is the loan case by hand. Illustration only, invented figures: a Florida City, FL landscaping crew borrows $35,000 for 24 months, priced at a 12.5% annual rate. Each installment is $1,655.76, and all 24 total $39,738.24.
For a cash advance, the widget does the work. Enter the advance and the factor rate exactly as the offer states them, the holdback percentage, and an honest average of daily card sales taken from recent processing statements rather than from one good week. The total remitted is the advance times the factor rate; the cost is that total minus the advance; the time to remit divides the total by the daily holdback amount and rounds up to whole business days. Run it twice, once with the average and once with sales a quarter lower, to see how far collection could stretch. A longer collection leaves the cost of an advance unchanged, but the holdback keeps coming out of every sale for longer, and that daily amount is what to set against the crew's other bills.
Set that installment against the crew's monthly deposits after costs. If it fits, a loan can cost less in total than a cash advance of the same size; the merchant cash advance page compares the two in more detail.
Cash reserve ratio calculator for physician offices in Miami-Dade County, FL
A cash reserve ratio for a business compares the cash held in reserve with monthly operating costs, giving months of cover. Illustration only, invented figures: a physician office holds $96,000 and spends $41,000 a month on payroll, rent and supplies, so its reserve covers 2.3 months. Rerun it after any large purchase, since one equipment payment taken from reserve changes the months of cover at once. The county counted 3,217 offices of physicians with paid employees in 2023 (County Business Patterns, NAICS 6211); the reserve above is invented and describes none of them. A thin reserve is one reason an office might weigh a line of credit before an advance. Once the reserve figure is worked out, the request form on the apply page carries the practice to funding partners. The resources page pairs this calculator with a motel document checklist and loan-prep steps for a landscaping crew.
By Millview Funding · Updated
