Tools & Calculators
Capital Stack Planner
Enter what you need to fund and where your business stands. You'll get which of the six capital stack layers to prioritize first, not a fabricated dollar-by-dollar breakdown.
The Six Layers, Recap
- Layer 1 — Owner Cash: Whatever you can self-fund. The foundation everything else sits on.
- Layer 2 — Business Credit (Foundation): LLC, EIN, bank account, DUNS number.
- Layer 3 — Vendor Terms: Net-30 accounts building your trade line history.
- Layer 4 — Business Credit Cards: Revolving credit, often with a 0% APR window.
- Layer 5 — Working Capital: Business lines of credit once cards aren't enough.
- Layer 6 — Inventory Financing: Larger, order-specific financing for established sellers.
Read the Full FrameworkAll six layers explainedRead More →
Compare Financing OptionsNet-30 vs. cards vs. SBA vs. revenue financingCompare Options →
This is informational, not financial advice. Vendor terms, card offers, and bureau reporting policies change, and a general guide can't account for your specific credit history or business situation. Confirm current terms directly with the issuer or vendor before applying. See our editorial policy for how we verify what we publish.