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Operating your business can be a daunting task. From growing your business to keeping up with the latest online solutions, we know that time is one of the most important assets a business owner must manage. The C&F Resource Center is designed to save you time and help you learn best practices and receive information from other business owners and experts who have faced some of the same challenges as you. Our goal is to help your business succeed. We hope you enjoy this information.

Cyber Thieves Stepping up Phishing Attacks on Businesses

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Your Financial Wellness

Business Financial Wellness

Information and these calculators are made available by one or more third party service providers. All examples are hypothetical and are for illustrative purposes. C&F Bank cannot guarantee that the information provided or the calculators are accurate, complete, or timely. Federal and state laws and regulations are subject to change. Changes in such laws and regulations may have a material impact on pre-and/or after-tax investment results. C&F Bank makes no warranties with regard to these calculators or the results obtained by their use. C&F Bank disclaims any liability arising out of your use of these calculators.

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Financial Calculators and Tools

Small Business Financial Calculators

Small Business Financial Calculators
Starting and growing a small business takes a great deal of financial planning. These calculators can help you determine how much capital you need to run a business, calculate inventory turnover, and more.
  • Breakeven Analysis - Find out how many and what price you must sell your product at to make a profit.
  • Business Debt Consolidation Calculator - Should your business consolidate its debt? Use this calculator to find out.
  • Business Valuation - Discounted Cash Flow - This tool calculates a business valuation based upon the discounted cash flow methodology - illustrating how changes in projected growth rates and capital assumptions impact the business Net Present Value.
  • Cash Flow Calculator - Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
  • Commercial Loan Calculator - Use this calculator to estimate your debt service coverage with a new loan. If your debt service coverage is high enough, including your new loan payment, you have a good chance of being approved.
  • Debt Service Coverage - This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.
  • Equipment Buy vs. Lease - Should you lease your equipment or finance it? Find out with this calculator!
  • Financial Ratios - This calculator helps you to zero in on areas of your business that may need attention. Areas such as solvency, liquidity, operational efficiency and profitability.
  • Inventory Analysis - Use this calculator to determine how much inventory you should hold, and efficient timing of your inventory orders.
  • Like Kind Exchange - This calculator is designed to calculate and the recognized loss, gain and the basis for a Like Kind Exchange.
  • Profit Margin Calculator - This calculator can help you determine the selling price for your products to achieve a desired profit margin.
  • Repossession of Personal Property from a Deferred Payment Sale - If you have repossessed personal property from a deferred payment sale, you can this calculator to determine the gain or loss.
  • Repossession of Personal Property from an Installment Payment Sale - If you have repossessed personal property with installment payments, you can this calculator to determine the gain or loss.
  • Repossession of Real Property - If you have repossessed real property, you can this calculator to determine the gain or loss as well as its new basis.
  • Working Capital Needs - Working capital essential to running your business. This calculator assists you in determining your working capital needs for the next year.

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