DELAYED OPENING: Due to inclement weather, on Wednesday, February 20, 2019, Truliant's Virginia locations will open at 11 a.m. All digital and phone tools are available. Open accounts and apply for loans here, or call us at (800) 822-0382.
System Maintenance Notification: Due to system maintenance, Easy Pay our Bill Payment service, will be intermittently unavailable beginning Tuesday, February 19th at 10:00pm – 2:00am on Wednesday morning. 
GOVERNMENT SHUTDOWN: For members impacted by the government shutdown, we may be able to help. Please call us at 800-822-0382 or stop by a branch near you for more information.

Business Services & Risk Management

  • Overview
  • Break-even Analysis

    • How much do I have to sell to cover my expenses? The break-even analysis calculator is designed to demonstrate how many units of your product must be sold to make a profit. Click on the “'View Report” report tab to look at the profit generated at each sales volume level.

    Business Valuation - Discounted Cash Flow

    • What’s the value of my business? This calculator helps you determine the value of your future cash flows discounted in today's dollars at your Weighted Average Cost of Capital (WACC).

    Cash Flow Calculator

    • What is the cash flow of my business? This calculator will help you to determine the cash flow generated by your business to cover your operating expenses.

    Debt Service Coverage

    • How do changes in my income and capital assumptions affect my debt service coverage? While several factors are considered in commercial loan underwriting, debt service coverage is primary among them and indicates a borrower's capacity to service a requested loan. This tool calculates debt service and illustrates how debt service coverage ratios are impacted by changing income and capital assumptions.

    Financial Ratios

    • How is my business doing financially? This calculator is designed to show you 10 different financial ratios. Financial ratios are used as indicators that allow you to zero in on areas of your business that may need attention such as solvency, liquidity, operational efficiency and profitability.

    Working Capital Needs

    • What are my working capital needs? Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. The calculator assists you in determining working capital needs for the next year.

    Amortizing Loan Calculator

    • What is my payment amount? This calculator will help your to determine the amount of a payment for a specific loan amount or you can determine the amount of a new loan based on the desired payment you enter. Click on the “View Report” tab to see a breakdown of the principal balances by payment, interest and remaining loan balance.

    Loan Comparison Calculator

    •  Which loan provides the best value? Determining which loan provides you with the best value is more than simply comparing monthly payments. Use this calculator to sort through the monthly payments, fees and other costs associated with getting a new loan. By comparing these important variables side by side, this calculator can help you pick the loan that works best for you.