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Below you will find descriptions and links to 11 free calculators for computing values associated with a company's credit.

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This calculator will compute the accounts payable to average daily purchases ratio, given the accounts payable balance and the amount of purchases.

*As values of this ratio decline, a company's ability to obtain short-term credit improves.*

This calculator will compute a company's acid-test ratio (also called the Quick Ratio), given the company's accounts receivable balance, cash on hand, current liabilities, and market security holdings.

*The acid-test (quick) ratio is a stringent test of a company's liquidity. Smaller values of the quick ratio indicate that a company may have difficulty meeting its debt obligations, and by extension may not be a good candidate for short-term credit.*

This calculator will compute a company's bad debt to accounts receivable ratio, given the total value of the company's bad debts and its accounts receivable balance.

*Increasing values of the bad debt to accounts receivable ratio over time may indicate that a company is incurring higher levels of realization risk in its accounts receivable, which can lead to future increases in bad debt write-offs.*

This calculator will compute a company's bad debt to sales ratio, given the total value of the company's bad debts and its total sales.

*Increasing values of the bad debt to sales ratio over time may indicate that a company is making credit sales to riskier customers.*

This calculator will compute a company's cash and marketable securities to total current liabilities ratio, given the company's total cash on hand, the value of the company's short-term marketable securities, and the company's total current liabilities.

*The cash and marketable securities to total current liabilities ratio is a measure of a company's ability to service its short-term debt obligations with immediate cash.*

This calculator will compute a company's cash flow from operations (CFO) to maturing debt ratio, given the company's cash flow from operations and its amount of maturing debt.

*The cash flow from operations to maturing debt ratio measures a company's ability to make its debt payments. A comparatively large value of this ratio indicates that a company is capable of taking on additional debt.*

This calculator will compute a company's cash flow from operations (CFO) to sales ratio, given the company's cash flow from operations and its total sales.

*The cash flow from operations to sales ratio reveals the percentage of a company's total sales that is available for investing and financing the company's ongoing operations. Comparatively large values of this ratio reflect positively on a company's creditworthiness, and may indicate that a company is in a better position to grow than its competitors.*

This calculator will compute a company's cash flow to total debt ratio, given the company's cash flow over a specified time period and its total debt.

*The cash flow to total debt ratio is a measure of a company's ability to pay its debts, and can hence be used to evaluate the company's creditworthiness or as a predictor of bankruptcy.*

This calculator will compute the cost of offering a discount on accounts receivable credit terms, given a company's annual credit sales, the discount percentage, and the percentage of customers who are expected to capitalize on the discount.

*The cost of offering a discount can be offset by investing the newly freed up capital from accounts receivable into other parts of the business.*

This calculator will compute a company's investment in accounts receivable, given the company's annual credit sales and the average number of days required for customers to pay for their purchases.

*A high level of investment in accounts receivable can lower a company's profitability and drain its financial resources.*

This calculator will compute the return on freed cash, given the accounts receivable balance before a policy change, the accounts receivable balance after a policy change, and the rate of return.

*When a company enacts a change in policy to free up cash, such as by altering the credit terms for its accounts receivable, the newly available cash can be invested elsewhere to produce additional returns for the company.*