Business Finance Calculators
Free tools to help UK business owners understand their finance costs. All calculations happen in your browser — we never see the numbers you enter.
Overpaying Calculator
Enter your current loan details and see how your rate compares to the market. Covers unsecured and secured term loans, asset finance, BBLs, CBILS, and MCAs.
Takes about 30 seconds
Exit Penalty Calculator
Work out whether paying early repayment charges to switch to a cheaper rate would save money overall. Factors in penalty costs, new rate savings, and break-even point.
Takes about 1 minute
BBL Options Calculator
Compare standard repayment, Pay As You Grow extensions, and refinancing side by side. See total cost, monthly payment, and term for each option.
Takes about 1 minute
MCA True Cost Calculator
Convert your merchant cash advance factor rate into a true APR and see how it compares to alternative finance options. Know the real cost before you renew.
Takes about 1 minute
Asset Finance & HP Calculator
Calculate hire purchase or finance lease monthly payments. Enter your APR or flat rate and see total cost — plus how it compares to market rates.
Takes about 1 minute
Affordability Calculator
Find out how much you can realistically afford to borrow based on your monthly revenue, costs, and risk appetite. See illustrative loan amounts across rate scenarios.
Takes about 30 seconds