The stack calculator
The number most owners cannot state. Compute it in 5 minutes.
Enter each advance position from the contract and the bank statement. The calculator returns the debit load by day and by month, the share of deposits it consumes, the effective annualized cost and APR equivalent of each position and of the whole stack, the payoff dates, and a 6 month cash view. Everything runs in this page. Nothing you type is stored by the site or sent to Citadel Ridge.
Step 1
The positions.
1 row per position, from the contract: the amount purchased or advanced, the total payback, the remittance and its frequency, and the balance remaining today from the funder's statement or your bank statement.
Step 2
What the stack costs.
Per position and in total. Simple annualized cost spreads the contract cost over the contract term. APR equivalent is the rate that makes the remittance stream equal to the amount funded, the way the state disclosure laws compute it, and it is the higher number because the money goes back as it is being used.
| Position | Factor | Net funded | Cost of the position | Term at signing | Remaining | Monthly debit | Simple annualized | APR equivalent |
|---|
Step 3
The next 6 months.
Receipts and operating outflows are yours to set. The advance debits come from the positions above and fall away as each position is paid off. A negative closing balance identifies a gap in this scenario; it does not determine a financing need, an eligible amount, or a product.
| Month | Opening | Receipts | Operating outflows | Advance debits | Net | Closing |
|---|
A planning tool, not a disclosure. The figures are computed from what you enter, using 252 business days and 52 weeks a year, and they are Citadel Ridge's own model, not the statutory disclosure a provider must give you in states that require 1. The calculator does not evaluate eligibility, creditworthiness, or any product, and it is not an offer of financing or a guarantee of any outcome. Nothing entered here is stored by the site, sent to Citadel Ridge, or added to an intake. Closing the page clears it.
What to do with the number
Write it down. Then ask the 4 questions.
The number is the beginning of every decision that follows.
If the monthly debit load is a third of deposits or more, the stack is deciding what the business can do, and the question is whether a collateral backed facility can retire every position in full at closing and replace the debits with 1 monthly payment. That is a position buyout, and it is different from every product sold as a consolidation. Before you take any offer, ours included, put it through the 4 questions in the brief on the difference and organize the paper with the agreement organizer.
Start with the file
A straight read within 2 business days.
Send the basics through the intake form: what the file supports, what is missing, and the next step if there is one. If we are not the right desk for it, we say so.