Make Smarter Decisions
Understand your financial ratios—no spreadsheets, no jargon. See what lenders look for and what your numbers mean in plain English.
Quick Financial Checkup (Free)
Enter a few numbers (last month or last 12 months). If something doesn’t apply, leave it 0.
Current Ratio —
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What it means
Ability to cover near-term bills. Current assets ÷ current liabilities. Many lenders like ≥ 1.5×.
Quick Ratio —
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What it means
Stricter liquidity test (excludes inventory). (Cash + A/R) ÷ current liabilities. ≥ 1.0× is a common target.
Debt-to-Equity —
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What it means
Leverage. Total debt ÷ total equity. Lower is safer; ≤ 1.5× is often viewed favorably.
Net Profit Margin —
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What it means
Profit after all expenses. Net income ÷ revenue. Many SMBs target ≥ 10% (varies by industry).
Guidance is general and may vary by lender and industry.