Often the best way to finance a small business will include providing a business plan that outlines essential information on the nature of the company, its primary business model and target markets - including proper revenue, cash flow and profit projections. Businesses should be prepared to consider finance options, including debt finance, third-party equity, and access to grants or government programs. Personal financial resources should typically be reflected in the business plan. Entrepreneurs should be able to ensure they understand different loan terms, as well as the interest rates and repayment terms. Business owners can use a business loan calculator to assess debt and cash flow implications. That tool can use interest rates and monthly payment obligations based on the business's actual or projected cash flows. A company can assess its borrowing capacity by looking at operating cash flow and calculating net income plus depreciation plus or minus changes in working capital accounts.