Business Finance
Business Loan Affordability Calculator
Estimate how much new debt your business cash flow could reasonably support.
Business Loan Affordability Calculator
Adjust the figures to update your estimate.
- Payment
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- Total interest
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- Total repayment
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- Additional estimate
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How this calculator works
Enter realistic numbers for your situation. The calculator updates immediately to give you an estimate you can use for planning and comparing options.
Formula explained
Available monthly cash flow is revenue minus expenses and existing debt; the affordable loan is the principal that payment can support.
Example calculation
A larger cash-flow surplus may support a higher monthly payment and loan amount.
Factors that affect your result
- Revenue consistency
- Operating costs and existing debt
- Lender debt-service coverage requirements
Frequently asked questions
Is the Business Loan Affordability Calculator free to use?
Yes. This calculator is free, requires no sign-up, and gives an estimate instantly.
Are the results a loan offer?
No. Results are educational estimates. A lender's rates, fees, underwriting and payment terms may differ.
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