BUSINESS RESEARCH / FREE TOOL

Detailed business credit and repayment planner

Keep the simple cost quote or follow a facility from actual disbursement to customer collection and repayment. All defaults are illustrative.

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Fictional worked examples, prepared 25 September 2026. KES throughout. Replace inputs with your own dated records. Business Credit workbook: P2 Facility B7:B14 and E7:E12; Entity Review B5:B8. Dated repayments and equal-principal cases extend that example.

Contract and actual financing

Facility disbursement date:

Contract / invoice face value (KES):

Customer deposit already received (%):

Materials paid at draw date (KES):

Other order costs paid at draw date (KES):

Facility principal actually advanced (KES):

Facility tenor (days):

Simple-interest day-count basis:

Nominal annual simple rate (%):

Fee as percentage of principal (%):

Additional fixed fee (KES):

Pay fees:

Pay interest:

Equal-principal repayments (1 = bullet):

Collection timing and cash buffer

Expected collection day after draw:

Downside collection delay (extra days):

Unresolved portion of final customer collection (KES):

Own usable cash before the deposit and facility (KES):

Cash reserve floor (KES):

Other debt due on final repayment date (KES):

Inventory days (cycle diagnostic):

Receivable days (cycle diagnostic):

Payable days (cycle diagnostic):

Separate evidence ledger: classify before calling credits sales

Reviewed trading receipts in separate evidence ledger (KES):

Owner funding in evidence ledger (KES):

Loan proceeds in evidence ledger (KES):

Inter-account transfers in evidence ledger (KES):

Refund/clearing credits excluded in evidence ledger (KES):

Unresolved credits in evidence ledger (KES):

Restore illustrative example

Editable fields use the amber background. Inputs are used for this response and are not saved to a member profile or lead list. CSV downloads contain the calculated tables for the submitted inputs.

Your scenario, step by step.

Net facility advanceKES 520,000.00

All-in financing costKES 18,093.15

Base cash gap to reserveKES 0.00

Downside cash gap to reserveKES 538,093.15

Finance-cost reconciliation

Measure	KES
Actual principal	KES 520,000.00
Required draw after deposit (before financing charges)	KES 520,000.00
Scheduled interest	KES 7,693.15
All fees	KES 10,400.00
Total financing cost	KES 18,093.15
Charges withheld once at draw	KES 0.00
Net day-zero advance	KES 520,000.00
Order contribution before finance	KES 280,000.00
Order contribution after finance	KES 261,906.85
Break-even invoice revenue with these costs and facility	KES 738,093.15

Dated facility repayments

Due date	Day	Principal	Interest paid then	Fees paid then	Total repayment
2026-10-25	30	KES 520,000.00	KES 7,693.15	KES 10,400.00	KES 538,093.15

Expected collection cash schedule

Date	Day	Opening	Net advance	Customer cash	Order cost	Facility repayment	Other debt	Closing
2026-09-25	0	KES 0.00	KES 520,000.00	KES 200,000.00	KES 720,000.00	KES 0.00	KES 0.00	KES 0.00
2026-10-25	30	KES 0.00	KES 0.00	KES 800,000.00	KES 0.00	KES 538,093.15	KES 0.00	KES 261,906.85

Delayed collection, unresolved portion excluded

Date	Day	Opening	Net advance	Customer cash	Order cost	Facility repayment	Other debt	Closing
2026-09-25	0	KES 0.00	KES 520,000.00	KES 200,000.00	KES 720,000.00	KES 0.00	KES 0.00	KES 0.00
2026-10-25	30	KES 0.00	KES 0.00	KES 0.00	KES 0.00	KES 538,093.15	KES 0.00	KES -538,093.15
2026-11-08	44	KES -538,093.15	KES 0.00	KES 800,000.00	KES 0.00	KES 0.00	KES 0.00	KES 261,906.85

Separate account-credit evidence review

Classification	KES
All observed credits	KES 580,000.00
Reviewed trading receipts	KES 380,000.00
Owner funding (not sales)	KES 0.00
Borrowed funds (not sales)	KES 40,000.00
Inter-account transfers	KES 90,000.00
Refund / clearing credits	KES 10,000.00
Unresolved receipts excluded	KES 60,000.00

Interpret the result.

Advance is 52.00% of invoice face value. Cash-cycle diagnostic: 60 days (inventory + receivables − payables). This does not reset the selected tenor.

Principal-based simple annualised cost: 42.33%. Cash-flow effective annual yield: 51.61%. Neither is a statutory APR or a lender quote.

Interest uses the chosen day basis on remaining principal. Repayments divide principal equally; dates use rounded whole-day spacing. A value of one produces a bullet repayment.

Deposit and all order costs occur on the draw date. Same-day collections are available before repayment in this end-of-day model. Set a delay if clearing occurs later.

Late collection does not automatically extend the loan: contractual repayment dates remain fixed. Default interest, rollover fees and new rescue borrowing are not assumed.

The separate evidence ledger never gets added again to the order cash schedule. Resolve entities and obtain independent trade evidence before classifying credits; this summary form does not detect circular flows.

Formulae and symbol definitions.

I_j = B_j r \frac{\Delta d_j}{Y}, \qquad \text{cost} = \sum_j I_j + \text{fees}

Iⱼ = Bⱼ × r × Δdⱼ / Y; cost = ΣIⱼ + fees

Iⱼ is interest for interval j (KES), Bⱼ its opening principal (KES), r annual nominal rate as a decimal, Δdⱼ actual whole days in that interval and Y the chosen 360/365 day basis. Fees are percentage-of-original-principal plus fixed KES fees.

N = P - \text{withheld charges}, \qquad \sum_j \frac{R_j}{(1+y)^{d_j/365}} = N

N = P − withheld charges; Σ Rⱼ / (1+y)^(dⱼ/365) = N

N is net day-zero advance and P actual original principal, both KES. Rⱼ is the KES repayment at day dⱼ after draw. y is the effective annual cash-flow yield, solved from the displayed dated repayments; a 365-day year is used for this yield.

\text{Simple annualised cost} = \frac{\text{cost}}{P} \times \frac{365}{d}

Simple annualised cost = cost / P × 365 / d

P is original principal and d the facility tenor in days. This simple principal-based comparison differs from the cash-flow yield and is not a regulatory APR.

Read the example and its evidence.

The article and workbook explain the operating assumptions, evidence checks and limits behind this tool.

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