This depends on the type of business loan calculator is being obtained. For unsecured (no other assets as collateral) loans, cash flow is very important, because that's how the lender evaluates the business's ability to repay the loan. Daily and monthly sales numbers, especially through debit and credit cards, are a critical factor for business loan approval. For secured loans, where business assets such as equipment or real estate is used, the cash flow may be slightly less important.