Work from your revenue and costs to a repayment budget and the finance it could support.
Your own buffer choice
Illustrative rate, not a lender offer
Indicative finance amount
$353,374
- Monthly surplus now
- $14,500
- Budget for new repayments
- $7,250
Same budget, different terms
- 2 yrs$159,496
- 3 yrs$229,666
- 5 yrs$353,374
- 7 yrs$457,804
A cash-flow planning tool, not a lender assessment. Lenders look at more than these figures, so this does not predict approval or a borrowing limit.
Calculator results are indicative estimates only and do not constitute a finance quote, offer, approval or financial advice. Actual repayments, rates, fees and loan terms depend on the lender, product and individual circumstances.
How the business finance budget figures are worked out
- 01
Start from average monthly revenue, less operating expenses and the repayments you already make.
- 02
Choose how much of that surplus you are comfortable putting toward a new repayment.
- 03
The calculator works back from that budget to an indicative amount. It is a planning tool, not a lender assessment.
Calculator results are indicative estimates only and do not constitute a finance quote, offer, approval or financial advice. Actual repayments, rates, fees and loan terms depend on the lender, product and individual circumstances.
- Finance comparisonCompare up to three finance scenarios side by side, fees and balloons included.
- Repayment budgetStart from the repayment you are comfortable with and see the asset price it supports.
- Time to repaySet a repayment you can afford and see how long the loan would take to clear.
Want the real rate, not an estimate?
Ten minutes with a specialist turns these figures into actual lender options. No obligation.