Resources

Free tools, toolkits, and coaching

Everything here is free: calculators, an invoice builder, printable checklists, and one-on-one coaching. No account needed, and nothing you type into a calculator is stored.

ToolkitsInvoice builderCalculatorsChecklistsCoachingFinancial education & webinarsCommunity help
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Toolkits

Step-by-step guides with fillable worksheets, notes for your type of business, and AI prompts that build plans around your numbers. Use them on screen or download the fillable PDF.

Cash Flow ToolkitSee where your cash goes, forecast the next 13 weeks, build a cash cushion, and get paid faster, with notes for your type of business and AI prompts that build a forecast around your numbers.Open toolkit →Hiring Toolkit: W-2, 1099, or Do It YourselfDecide whether to keep doing the work yourself, hire a contractor, or hire an employee. Compare the true cost, avoid misclassification, and onboard the right way, with California notes.Open toolkit →Selling Channels ToolkitWholesaler or retailer, storefront or online or both, selling direct or through stores. Compare margins, payment timing, and costs for each way of selling, and work out which channels pay you best.Open toolkit →Fraud Protection ToolkitThe scams that target small businesses most, the warning signs, and the simple habits and bank tools that stop them, plus what to do in the first hour if you've been hit.Open toolkit →Digital Presence ToolkitGet found when customers search on Google, maps, and AI assistants. Set up the free listings that matter, collect reviews, build a simple website you own, and measure what's working.Open toolkit →
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Free invoice builder

Build a clean, professional invoice in your browser and download or print it. No account, nothing stored.

Run the numbers

Small business calculators

21 calculators covering pricing, cash flow, getting paid, borrowing, hiring, and growth.

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Invoice generatorBuild a clear, professional invoice in your browser and download it. Free, no account, nothing stored.Open →Cost of late paymentsSee what late-paying customers cost you a year in tied-up cash, financing, chasing time and invoices that never arrive.Open →Accounts receivable healthSee how fast invoiced sales turn into cash, how far past your terms customers run, and what that delay costs.Open →

Cash flow

Early-payment discountSee what a 2/10 net 30 style discount costs you over a year and what it's worth in cash collected sooner.Open →Cash runwayFind out how many months your cash lasts at today's pace, and the date the account would reach zero.Open →Cash conversion cycleSee how many days your cash sits in inventory and unpaid invoices before it comes back, and what a shorter cycle frees up.Open →Working capital needsSee your working capital today and how much more you will need to support the growth you are planning.Open →

Profitability

BreakevenFind how many sales a month cover every bill, and how far sales can fall before you are losing money.Open →Gross margin by productList up to five products or services to see your blended gross margin and where the profit really comes from.Open →

Pricing

Pricing and inflationCheck what you charge against inflation since you last raised it, and against the margin your costs require.Open →

Borrowing

Loan payment and payoffSee the monthly payment, total interest and payoff date on a term loan, plus what paying extra each month saves you.Open →Loan or line of creditCompare a term loan and a line of credit on the same amount, including fees and how long each one takes to pay off.Open →Debt consolidationCompare what your current debts cost against one consolidation loan, fees included, before you refinance.Open →

Planning

Buy or lease equipmentCompare the true cost of buying equipment with a loan against leasing it over the same term.Open →Financial health checkRun the eight ratios a lender checks first, using your balance sheet and the last 12 months of income.Open →What your business is worthProject your earnings, discount them for risk and time, and get a planning ballpark for what your business could be worth.Open →Startup savings planAdd up your launch costs and the cushion you want, then see whether your savings plan gets you to opening day on time.Open →

People

Cost of a new hireSee the full monthly and first-year cost of a hire, and how long before the role pays for itself.Open →

Growth

Customer lifetime valueSee what a customer is worth over the whole relationship, and whether what you spend to win one makes sense.Open →Sales pipeline plannerWork backward from your monthly sales goal to the proposals, meetings, and calls it actually takes to get there.Open →Marketing ROIEnter what a campaign cost and how people responded to see revenue, profit, return on spend, and cost per new customer.Open →
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Checklists

Business launch basics checklistThe core legal, money, and setup steps for starting a small business, in the order most owners need them.Open & print →Collections follow-up checklistA friendly, firm schedule for following up on unpaid invoices, with short scripts you can copy.Open & print →Independent contractor checklistHow to hire and pay a 1099 contractor the right way, from checking classification to filing year-end forms.Open & print →Estimates and contracts checklistWhat to put in writing before you start work, so you get paid what you agreed and avoid disputes.Open & print →First employee onboarding checklistEverything to set up before and during a new employee's first week, from payroll registration to the first check-in.Open & print →Get-paid-on-the-spot checklistFifteen habits that close the gap between finishing the job and having the money in your account.Open & print →Google Business Profile setup checklistClaim, complete, and keep up your free Google Business Profile so customers find you in Google Search and Maps.Open & print →Small business insurance basics checklistThe common types of business insurance, which ones are usually required, and questions to ask an agent before you buy.Open & print →Loan-ready document checklistThe documents lenders usually ask for, so you can say yes when the right financing shows up.Open & print →Monthly money close checklistA one-hour routine at the end of every month that keeps your books clean, your cash predictable, and tax time easy.Open & print →Pricing review checklistA twice-a-year check that your prices cover your costs, keep up with inflation, and match what customers will pay.Open & print →Weekly fraud checkA 10-minute weekly routine that catches fraud early, plus the one rule every employee should know.Open & print →Wholesale account readiness checklistWhat to have ready before you sell your products to stores, from pricing and line sheets to insurance and payment terms.Open & print →Year-end money checklist for small businessesA plain-language list to close out the year cleanly and start January with your numbers in order.Open & print →
Free 1:1 coachingTalk it through with a mentorBook a free session with the Linkun Foundation team. Bring your numbers, your questions, or just the thing keeping you up at night.
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Financial education & webinars

Short, practical reads from our Insights blog, plus live webinars announced first in our monthly newsletter.

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Free help near you

Community resources

SBA local assistanceFind your nearest Small Business Development Center, Women's Business Center, SCORE chapter, or Veterans Business Outreach Center. Free or low-cost advising.sba.gov → SCORE mentorsFree, volunteer business mentors, in person or online.score.org → CDFIs (community lenders)Community Development Financial Institutions lend to owners that traditional banks often miss, including in low- and moderate-income communities.cdfifund.gov →