Free tools for dealer and distributor finance
Working calculators for the credit economics of Indian distribution. The method sits beside every result, nothing needs a sign-up and no figure leaves the page.
India's free calculator hubs stop at EMI, tax and investment maths. The credit economics of a dealership has no tooling at all, so the numbers that decide whether a counter earns its keep, the true cost of a cash credit limit or the return a distributor's working capital earns, usually go uncomputed. These tools work that arithmetic out in the open. Each one states its formulas, walks through a worked example in rupees and computes everything in the browser from the figures entered on the page.
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Cash credit interest calculator
The effective annual cost of a CC limit on the funds actually used, set on sliders, with the same usage priced side by side under channel finance.
Open the calculatorDealer margin and ROI calculator
Margin, markup and the net return on working capital after operating costs and interest, for a stockist, sub-dealer or counter in any Indian trade.
Open the calculatorIn development, in build order
Three more tools are being built. Each ships only when it can do something no free Indian tool currently does.
Dealer working-capital gap calculator
Credit days received, stock turn and a growth target, turned into the funding gap they create.
Drawing power and MPBF limit calculator
The stock-statement drawing power calculation and the turnover method, as working tools rather than spreadsheets.
Cost of the credit period calculator
What forgoing a cash discount really costs in annual terms under Indian trade credit.
The thinking behind the numbers lives in our writing on channel finance and working capital.