Affordability Calculator

We look at your free cashflow (revenue minus expenses and existing debt), then apply conservative multipliers based on your business age and credit profile. We recommend borrowing no more than 40% of your free cashflow to maintain healthy finances.

Key factors include: your monthly profit margin, existing debt obligations, how long you've been trading, and your credit history. Businesses with higher profits, lower existing debt, longer trading history, and better credit can typically borrow more.

The calculator provides conservative estimates. Actual approval amounts depend on a full assessment of your business accounts, personal circumstances, and the specific lender. Some businesses may qualify for more, especially with asset security or strong growth.

No. This is an indicative calculator only and does not perform any credit checks. Your credit score is only checked if you submit a formal application.

We work with all credit profiles. While rates may be higher and amounts lower, we have specialist lenders who consider the whole picture - including your business performance and future potential.

Invoice finance works differently - it's based on the value of your unpaid invoices rather than fixed monthly payments. This can be ideal for businesses with cashflow gaps, as you only pay fees when you use the facility.