Ravenrock Funding Group, a small-business funding broker in Sarasota, Florida, offers this loan calculator for owners planning a stock purchase. Enter an amount, an annual rate and a term in months; it returns the monthly payment, total interest and total repaid for a fixed-payment loan. Results are arithmetic estimates, not offers. Real rates and terms come only from a lending partner's paperwork.
The three inputs
- Amount: what you would borrow for the stock order.
- Annual rate: the yearly interest rate from an offer, or a rate you want to test.
- Term: how many monthly payments the schedule has.
The calculator assumes level monthly payments, with interest charged on the remaining balance each month.
What it returns
- Monthly payment: the fixed amount due each month.
- Total interest: what the loan costs beyond the principal.
- Total repaid: amount plus total interest.
It does not include fees, does not model weekly or daily payments, and does not compute a merchant cash advance. For those, ask the partner for a full payment schedule.
The by-hand step: will the stock pay for itself?
The calculator cannot tell you whether the order makes sense. That takes two numbers only you know: how much of the stock you expect to sell during the term, and your margin on it. A labelled example with made-up figures: if a hypothetical order would leave you a gross margin of $9,000 over the loan term and the calculator shows total interest of $1,200, the order still clears its financing cost with room to spare. If the margin were $1,000, it would not. Run your own figures, and be conservative about sell-through.
Testing more than one scenario
Run one amount through two or three different terms. A longer term lowers the monthly payment but raises total interest, and it can leave you still paying for stock that has already sold. Matching the term to how long the goods take to sell keeps the payment and the sales in step.
Before you rely on a result
Use the rate from an actual written offer when you have one. If you are testing before an offer exists, run the calculation at two or three rates so you can see how sensitive the payment is. And remember that an inventory deal may come with fees, a different payment frequency or paydowns tied to sales, none of which this calculator models.
Retail stock in Sarasota County, FL
Sarasota County had 1,755 retail employer establishments in 2023, half of them with fewer than five employees, and 522 wholesale employers (County Business Patterns 2023). For how partners structure stock funding, including UCC filings on inventory, read inventory financing in Sarasota. More tools and guides are in the resource library.
A note on estimates
Results depend entirely on the numbers you enter and are not an offer, an approval or a quote. A partner's actual payment may differ because of fees, payment frequency and terms.
By Ravenrock Funding Group · Updated