Cash-on-Cash Return Calculator
Calculate your return on actual cash invested in a business and compare it to other investment options.
Purchase Price
Total purchase price of the business
Initial Investment
Cash down payment amount
Transaction and closing costs
Additional Cash Investment
Cash needed for operations
Initial improvements or renovations
Loan Details
Number of years to repay the loan
Annual interest rate
Cash Flow *
Business cash flow before debt service
How It Works
Cash-on-Cash Return: Net cash flow ÷ total cash invested × 100
Total Cash Invested: Down payment + closing costs + working capital + improvements
Net Cash Flow: Business annual cash flow - annual debt service
Debt Service: Annual loan payments (principal + interest)
Return Benchmarks
Investment Comparison
Need Funding?
Get the capital you need to make your business investment. We offer flexible financing options including SBA loans, business loans, and alternative funding.
Explore Funding Options →Quick Tips
- • Include all cash investments (down payment, closing, working capital)
- • Enter business cash flow before debt service
- • Include annual debt service payments separately
- • Compare to other investment options
- • Consider growth potential in your analysis