Disclaimer

No client relationship

Using this site, reading our content, or emailing yourself a calculation result does not create an advisor-client, attorney- client, accountant-client, or fiduciary relationship between you and Bedrocka Collective LLC or any of its contributors. We are not your advisor until and unless you sign a written engagement letter with Bedrocka Consulting LLC or another Bedrocka Collective entity.

Calculator outputs are estimates

Every calculator on this site produces an estimate based on the inputs you provide and the formulas we have coded. Real-world outcomes may differ because of factors we do not capture: your specific lender's underwriting adjustments, state-level tax rules, regulatory changes that post-date our last review, and facts about your business that are not reflected in the inputs. Use calculator results to get a defensible ballpark number and to structure your conversations with professionals — not to make final decisions by themselves.

Use at your own risk

You assume full responsibility for any decision you make based on information from this site. We disclaim liability for outcomes that depend on factors outside our control — which, for financial decisions, is almost all of them.

Not affiliated with regulatory or government entities

Bedrocka Tools and Business Finance Hub are not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration (SBA), the Internal Revenue Service (IRS), the Consumer Financial Protection Bureau (CFPB), the Federal Reserve, or any other regulatory or government entity. Where we cite their publications, it is as a primary source of public information, nothing more.

Lender, advisor, and tax-professional caveats

• Loan calculators (Business Loan, SBA 7(a), Equipment Financing, Invoice Factoring) produce estimates only. Actual rates, fees, terms, and eligibility are set by your lender. Fee schedules update — always verify the current SBA fee schedule and Regulation Z disclosures with the lender before signing.
• Runway and break-even calculators (Cash Runway, Break-Even, Working Capital, Gross Margin) depend on classification choices (what counts as fixed vs variable cost, what counts as burn) that your CPA should confirm for GAAP- compliant reporting and for lender or investor consumption.
• Tax treatment mentioned on any page is a general illustration. State and local rules vary. Section 179 limits, bonus depreciation phaseouts, and deductibility of interest all have specific eligibility rules your CPA should confirm for your filing year.
• DSCR and underwriting calculatorsproduce numbers lenders will adjust per their internal credit policy. The number our calculator produces is a defensible baseline for your own evaluation, not the number the bank's credit memo will show.

Contact for corrections

If you find an error in a calculator or in our cited sources, email info@bedrockatools.com. See methodology for our correction policy.