Every tool runs on the same framework a credit desk uses.
Pick a path below, or use the toggle in the nav, and the catalog narrows to the tools built for your kind of deal. Nothing here is generic — each one is priced, scoped, and built the way a lender actually reads that specific transaction.
Showing the tools built for real estate investors — rental, commercial, and refinance deals, read the way a lender reads them.
Showing the tools built for business buyers and owners — acquisitions, SBA readiness, and valuation, read the way a lender reads them.
Tier 0 — Start Free
No card, no segment required. These four are free for everyone and stay that way — they're also what earns the search traffic everything else depends on.
Vault Score
Deal-level: is this specific transaction any good. The homepage centerpiece.
Run the score →Loan Readiness Score
Borrower-level: are you, personally or as a business, in shape to get approved.
Check readiness →DSCR Calculator
Fast, correct, and free permanently — the single most-searched number in this space.
Calculate DSCR →The Banker's Checklist
15 things to have covered before you ever sit down with a lender.
Get the checklist →Tier 1 — Single-Deal Tools
Built for one evaluation at a time. Two are live today; the rest are on the roadmap in the order the funnel proves them out.
Property Deal Tools
Buy-and-hold, commercial, fix-and-flip, and 1031 exchange — each deal type gets its own read.
Rental Property Analyzer
$49Cash flow, DSCR, cash-on-cash return, and a vacancy stress test for 1-4 unit deals.
Open tool →Commercial Property Analyzer
$79NOI, cap rate, debt yield, and LTV, plus a lease-risk read for 5+ unit and commercial deals.
See the tool →BRRRR & Refinance Analyzer
$59Models the cash-out refi against seasoning windows before you find out it doesn't work.
See the tool →Fix & Flip / Bridge Deal Analyzer
$79Rehab budget vs. ARV, holding-cost runway, and a profit-margin stress test — from the hard-money side.
See the tool →1031 Exchange Bridge Evaluator
$49Checks a replacement property against the 45/180-day windows and models interim bridge cost.
See the tool →Loan Comparison Tool
$19Rate, points, prepayment penalty, and total cost across offers, side by side.
See the tool →Real Estate Investor Toolkit
$149Rental, Commercial, and BRRRR & Refinance analyzers plus Loan Comparison — $57 less than buying separately.
Notify me →Doing a 1031 exchange and need bridge financing before your funds clear? Talk to Arch City Lending — that's exactly the situation it's built for.
Business Deal Tools
Acquisitions, SBA readiness, working capital, and exit prep — read the way a lender reads a business, not a spreadsheet.
Business Acquisition Analyzer
$79SDE/EBITDA add-backs, purchase price as a multiple, and post-acquisition DSCR.
Open tool →SBA Loan Readiness Analyzer
$79The global cash flow test SBA lenders actually run, plus a collateral-shortfall flag.
See the tool →Working Capital / Line of Credit Analyzer
$49Borrowing base, cash conversion cycle, and seasonal swings in the credit need.
See the tool →Business Valuation Snapshot
$59An SDE-multiple range framed as what a buyer's lender will actually think it's worth.
See the tool →Exit-Readiness Checklist
FreeWhat makes a business financeable to a buyer's lender — most useful 12-24 months before a sale.
See the tool →Business Buyer & Owner Toolkit
$149Acquisition, SBA Readiness, Working Capital, and Valuation Snapshot — $117 less than buying separately.
Notify me →Buying a franchise? A dedicated Franchise Deal Analyzer (territory economics, royalty structure, multi-unit debt schedules) is on our radar but not yet scheduled — tell us if it would help you now.
For when you outgrow one-time tools
The framework is universal even though the tools aren't. These two sit above both segments.
Think Like a Lender
Twelve lessons on the underwriting mindset itself — the first six universal, the back half split into a real estate track and a business track.
- The Bankable Seven, in depth
- Applied lessons for your deal type
- Built from 30+ years on the other side of the desk
Vault Pro
Unlimited use of every calculator instead of one-time purchases, saved deal history, and a quarterly read on how underwriting standards are actually shifting.
- Every tool, unlimited, one subscription
- Portfolio Dashboard for real estate members
- Quarterly DSCR / SBA / cap rate standards update
Get the Banker's Checklist
We'll send it once, and let you know when the tool you're waiting on ships.
- What to bring to the first meeting
- The numbers your banker will ask for
- The questions to ask before you sign
Almost there. Check your inbox and click the confirmation link to get the Banker's Checklist.