Business loan calculators and tools
Five calculators built for UK SMBs running the maths before talking to a lender. Independent and lender-neutral. The most useful one for most applicants is the effective APR converter, because it makes factor rates and flat rates comparable on the only metric that matters: true annual cost.
Loan affordability calculator
Estimate what monthly repayment your trading position can support before approaching lenders. Inputs: turnover, net margin, existing finance obligations, owner draw.
Effective APR converter
Convert factor rates (MCA, short-term loans) and flat rates (asset finance, unsecured term loans) into a directly comparable effective APR. The number lenders prefer you not calculate.
DSCR calculator
Debt service coverage ratio: the ratio commercial-mortgage and asset-finance underwriters actually score you on. 1.25x is the usual floor.
Blended cost of capital calculator
Stacking an MCA on top of a term loan? Asset finance plus an overdraft? Calculate your blended cost across all facilities, weighted by balance and rate.
BBLS Pay As You Grow vs refinance break-even
If you took a Bounce Back Loan and are now choosing between Pay As You Grow extensions and refinancing into a commercial facility, find the break-even rate where refinance wins.
More tools added as we identify gaps. Suggest one via contact.