Free calculators
Business Loan Calculators
Twenty free calculators for Australian business owners: repayments, borrowing power, caveat and second mortgage equity, cash flow gaps, GST and more.
Business tools 5
Business loan finder
Business loan finder quiz: answer four questions about purpose, property, invoices and credit to see which type of business loan to look at first, and why.
Read more →GST calculator
Free GST calculator: add 10% GST to a price or take it out of a GST-inclusive total, plus why GST quietly changes how lenders read your bank statements.
Read more →Break-even calculator
Break-even calculator: the sales and revenue you need each month to cover costs, plus how many extra sales a new loan repayment has to earn.
Read more →Margin and markup calculator
Margin and markup calculator: enter cost and selling price to see gross margin, markup, profit per sale and the price that gives a 40% margin. Free and quick.
Read more →Funding speed calculator
How fast can you get a business loan? Answer four questions to see a realistic timeline, the likely route, a readiness score and the one step that speeds it up.
Read more →Repayments & cost 4
Repayment calculator
Work out each business loan repayment, the total repaid and the cost per $1 borrowed from a real quote. Weekly, fortnightly, monthly or daily. No rates assumed.
Read more →Equipment finance calculator
Equipment finance calculator: monthly repayment, amount financed, balloon and total paid, worked from the cost in your own quote. No rates assumed.
Read more →Loan cost comparison
Put two business loan offers side by side: total cost in dollars, cost per $1 borrowed, cost per $1 per month and the monthly repayment of each. No rates.
Read more →Factor rate calculator
Turn a factor like 1.25 into dollars: total repayable, cost of the advance, each daily or weekly repayment and cost per $1 per month, so offers compare fairly.
Read more →Property-secured calculators 5
LVR calculator
LVR calculator for business borrowers: your loan-to-value ratio, equity, and how much more you could borrow (or need to repay) to reach 70% or 80%.
Read more →Second mortgage calculator
See the largest second mortgage your property could support at different combined LVR limits, plus your headroom and position on title. No rates assumed.
Read more →Caveat loan calculator
Free caveat loan calculator for Australian businesses: see your combined LVR, equity left, total cost over the term and your repay-by date. No rates assumed.
Read more →Bridging loan calculator
Bridging loan calculator for business property: work out peak debt while you own both, end debt after the sale and your sale proceeds. No rates assumed.
Read more →Property equity calculator
Work out the usable equity in a home, commercial or rural property at any LVR limit from 40% to 80%, and whether it clears the $20k secured minimum.
Read more →Cash flow 5
ATO debt calculator
ATO debt calculator for business owners: see your monthly payment plan instalment, the total tax cash you need each month and when the plan ends.
Read more →Invoice finance calculator
Invoice finance calculator: see the cash your unpaid invoices could release today, the balance when customers pay, and the real cost per $1. No rates assumed.
Read more →Cash runway calculator
Cash runway calculator for Australian businesses: see your monthly burn, months of cash left, the date it runs out and the top-up for a 3-month buffer.
Read more →Working capital ratio calculator
Working capital ratio calculator: get your current ratio, quick ratio and net working capital from three balance sheet figures, and see how a lender reads them.
Read more →Cash flow gap calculator
Find out how much cash your debtors, stock and supplier terms lock up, your cash conversion cycle in days, and what one extra day of late payment costs.
Read more →Borrowing power 3
Unsecured loan calculator
Estimate an unsecured business loan range from monthly turnover, then see the weekly repayment and how much of your turnover it would take. No rates assumed.
Read more →Borrowing power calculator
Estimate how much your business could borrow from profit, add-backs and existing debt, using the repayment cover a lender wants. No rates assumed.
Read more →DSCR calculator
Check your debt service coverage ratio before and after a new loan, see the spare cash left, and how lenders tend to read the result. Three inputs, no rates.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
Not sprayed to fifty lenders
A real person reads it