Free calculators
Free business loan calculators
Six tools that answer the questions a lender will ask: which route fits, what it costs, whether the cash flow carries it and what paperwork you need.
Loan Route Finder
Answer seven quick questions about your business and see which alternative loan routes usually fit, and why.
Open the calculator → 02Repayment Calculator
Enter the amount and the total cost of finance you were quoted. See daily, weekly and monthly repayments. No rates assumed.
Open the calculator → 03Cash Flow Gap Calculator
Money in, money out and when. Find the size and timing of your cash flow gap before you borrow.
Open the calculator → 04Property Equity Calculator
Property value and what you owe. See your LVR and the usable equity a secured lender could work with.
Open the calculator → 05ATO Debt Options Calculator
Compare a payment plan with clearing the debt using finance, using costs you enter yourself.
Open the calculator → 06Loan Readiness Checklist
Tick off the documents you have. See what is missing for low doc, full doc and property-secured routes.
Open the calculator →Numbers first, sales pitch never
Most loan calculators online start with a made-up interest rate and give you a payment that has nothing to do with what you will actually be offered. These work the other way round. You enter the real figures: the amount, the total cost you have been quoted, your monthly deposits, your property value, your tax balance. The answer reflects your situation rather than a marketing number.
Use them to work out what you can comfortably carry and which route makes sense, then start a 60-second enquiry. There is no credit check when you first enquire, and a real person will check your numbers against your statements.
Calculator questions
Do these calculators use interest rates?
No. Every loan is priced on the individual business, so the calculators work with amounts, costs you have actually been quoted, turnover and property values. That keeps the results honest.
Are the results an approval?
No. They help you understand your position so the first conversation is quicker and better informed. A real person still looks at your statements and situation.
Which calculator should I start with?
Start with the Loan Route Finder to see which options usually fit, then the repayment calculator to check affordability. If tax debt is the issue, try the ATO debt options calculator.
Is my data saved or sent anywhere?
No. The calculators run entirely in your browser. Nothing you type is stored or sent unless you choose to make an enquiry.
Heard no somewhere else? Ask the people who look at the whole business.
One short enquiry. No credit check when you first enquire, a real person reading it, and your details kept with one team instead of being shopped around.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file