Free calculators for small and medium-sized businesses, built around the numbers a bank actually looks at when you apply for credit. Work out your loan payments, test your debt service coverage, check your working capital and see how much you could borrow before you speak to a lender.
Every calculator runs in your browser. Nothing you type is saved or sent to us. Choose your currency at the top of each tool; the maths is the same in any country.
Business and loan calculators
Personal finance tools
Which calculator should I start with?
- Planning a new loan? Start with the borrowing capacity calculator, then price the loan with the business loan calculator.
- Holding two offers? Use the loan comparison calculator. A lower rate with a high fee can cost more.
- Preparing a loan application? Check your DSCR and current ratio first, because these are the two ratios most credit teams test early.
- Short of cash despite good sales? Measure your cash conversion cycle.
- Quoted a flat rate? Put it through the EMI calculator to see what it really costs on a reducing balance.
Learn the ideas behind the numbers
- How banks evaluate loan applications
- Understanding DSCR
- The working capital cycle, explained
- Collateral and loan-to-value
- Why banks decline business loans
These figures are estimates for planning. They are not financial advice or an offer of credit. See our disclaimer.
Free Business Loan Application Checklist
The 10 documents lenders usually ask for, plus the key ratios to check before you apply, on a printable 2-page checklist. Enter your email and download it free.
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