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Tools
Work out the number before anyone quotes you one.
Every calculator here runs entirely in your browser. Nothing you type is stored, transmitted to Citadel Ridge, or attached to an intake, and closing the page clears it. No email address, no account, no call.
Calculators
4 tools.
Built because owners are asked to decide on numbers nobody has shown them in comparable form.
01Which facility fits9 questions about the business, and the read on which of the 10 structures are realistic today, which are possible with work, what each would cost, and what to fix first.
02Factor rate converterTurn a factor rate, a remittance and a term into the real annualized cost, the cost per dollar you keep, and the interest rate a term loan would have to carry to cost the same. For anyone holding a single advance offer.
03Stack calculatorEnter every position you carry and see the daily and monthly debit load, the share of deposits it consumes, the effective cost of each position and of the whole stack, the payoff dates, and a 6 month cash view. For anyone carrying more than 1.
04Agreement organizerPull the terms that matter out of the paper you already signed and put them on 1 page: balances, remittances, personal guaranty scope, confession of judgment, reconciliation and default language.
Comparisons
Which structure, and why.
The decisions owners actually face, each one written out with the arithmetic and the mistakes that cost the most.
01Advance vs term loanWhy a 1.35 factor is not 35%, the 3 situations where an advance still earns its place, and what a term file needs.
026 ways out of stacked advancesSettlement, stall and save, reverse consolidation, defense counsel, refinance, buyout: what each leaves you with the morning after, and the 5 red flags.
03Buyout vs refinanceCollateral or coverage: why a stacked merchant can often do 1 and not the other.
04Buyout vs reverse consolidationThe 1 question that separates them: at closing, does each funder get paid in full.
05Factoring vs line of creditOne sells the invoice, the other lends against the company, and they are underwritten on opposite things.
06Recourse vs non recourseNon recourse covers insolvency, not non payment. What the premium actually buys.
07Bank vs brokerGo to your bank first. What a broker adds when the answer is no, and the questions that separate an advisory firm from a lead seller.
08Business broker vs M&A advisor vs investment bankerWho sells a $2,000,000 company, who sells a $40,000,000 one, and what each charges.
References
Look it up.
01GlossaryThe terms in the paper, defined in plain language.
02Resource center4 field guides to download and complete privately, plus official guidance explained and linked to source.
03Reporting directory71 consumer and business reporting companies and how to reach each.
04State disclosuresWhat the commercial financing disclosure laws require in 16 states, and what the firm does on every file.
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.