Working Capital Needs Calculator

Understanding your working capital needs is essential to managing your business. Will you have enough cash to meet expenses? Will you need to borrow to cover shortages? This calculator assists you in determining your working capital needs for the next year.

Break Even Calculator

Use this basic calculator to find out how many units and at what price you must sell your products to make a profit.

Financial Ratios Calculator

This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.

Profit Margin Calculator

This simple calculator can help you determine the selling price for your products to achieve a desired profit margin. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice.

Cash Flow Calculator

Having adequate cash flow is essential to keeping your business running. Will you have enough cash to cover expenses? Will you need to borrow to cover shortfalls? Use this calculator to help you determine the cash flow generated by your business.

Debt Service Coverage Ratio Calculator

This more sophisticated tool for determining a business’s ability to make a loan payment calculates Debt Service Coverage Ratio (DSCR) and illustrates how DSCR is impacted by changing income, equity, and capital assumptions.

Commercial Loan Calculator

Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a better chance of being approved for your loan.

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All BankRI offices will be closed on Monday, February 19th, in observance of Presidents' Day.