ATLAS / THE TOOLKIT

Good decisions start
with clear numbers.

Model repayments, forecast cash flow and compare your options. Discuss a useful scenario with Atlas, or save it to your private workspace.

From a quick estimate
to the whole cash picture.

Explore tools without entering contact details.
Saving requires a signed-in account.

Repayments

Business loan repayments

Model payments, interest and upfront fees.

Repayments

Equipment finance repayments

Compare terms with an optional final balloon.

Compare

Business loan comparison

Compare two loan scenarios.

Compare

Business loan refinance calculator

Check the cost of switching.

Plan

Working capital cycle calculator

See cash tied up in the operating cycle.

Plan

Invoice finance cost calculator

Estimate the advance after fees.

Plan

Business cash runway calculator

Stress-test a simple cash scenario.

Plan

Balloon payment savings planner

Make the final payment visible.

Plan

13-week cash-flow planner

Build a weekly cash-flow forecast, delay customer receipts and see the first cash shortfall, peak funding gap and balance at the end of 13 weeks.

Plan

Line-of-credit usage planner

Model dated draws and repayments, daily interest, unused-limit fees and remaining debt on a business line of credit.

Compare

Buy, rent or finance equipment calculator

Compare cash purchase, rental and finance over the same equipment-use period, including operating costs, resale and any remaining finance payout.

Plan

Equipment utilisation break-even calculator

Estimate the billable hours needed to cover equipment repayments and fixed costs, and test cash surplus at different utilisation levels.

Plan

Business debt-service headroom calculator

Compare available operating cash with current and proposed debt payments, then stress-test the cash available without predicting lender approval.

Plan

Business debt and maturity calendar

Combine monthly payment commitments across business facilities and see where balloons and maturity dates create cash-flow spikes.

Plan

Invoice portfolio funding simulator

Estimate a scenario funding base from invoice amounts, age, disputes and a user-selected customer concentration cap.

Plan

Purchase-order and import cash-gap planner

Map supplier payments, freight, user-entered tax costs and customer collections to estimate the cash gap on a purchase order.

Plan

Contract and payroll cash-gap planner

Model weekly project costs, progress claims, payment delays and retention to see how much cash is tied up before a contract pays.

Prepare

Funding workspace

Save scenarios, reopen assumptions and download one planning brief.

Prepare

Funding readiness checklist

Prepare documents and questions before a lending conversation.

Prepare

Funding finder

Choose your purpose and save a short funding brief.

Planning estimates only. These tools do not determine borrowing capacity, eligibility or approval. Rates, fees and cash-flow assumptions are illustrative or supplied by you.

Good decisions startwith clear numbers.

From a quick estimateto the whole cash picture.

Good decisions start
with clear numbers.

From a quick estimate
to the whole cash picture.