Business Loan Borrowing Power Calculator
See how much your business can borrow — enter your monthly budget, rate, and term.
See the maximum business loan you can borrow based on your monthly repayment budget. Free Australian business loan borrowing power estimate with current rates.
01 —INPUTS
The monthly payment your business can comfortably afford.
02 —RESULTS
Maximum loan amount147,955.30
Your borrowing power is based on the monthly payment your business can comfortably afford. A longer loan term or lower interest rate increases your maximum loan amount. However a longer term means more total interest paid over the life of the loan.
Once you know your borrowing power, use the business loan repayment calculator to see the full cost including total interest and payoff timeline.
Common questions
How much can my business borrow?
Your borrowing power depends on your monthly repayment capacity, the interest rate, and the loan term. Lenders typically assess serviceability by looking at your business revenue, expenses, and existing debt obligations. Use this calculator to get a quick estimate based on your monthly budget.
Do lenders look at revenue or profit for serviceability?
Australian lenders look at both. Revenue shows your business's earning capacity, but profit (after expenses) is what determines your ability to service the loan. Most lenders also add back non-cash expenses like depreciation and consider one-off items. A healthy profit margin and consistent revenue history improve your borrowing power significantly.
What do business lenders look for when assessing a loan?
Lenders assess your business's credit history, time in operation (typically 1–2 years minimum), revenue consistency, profitability, existing debts, and the purpose of the loan. They may also require business plans, financial projections, tax returns, and BAS statements. Secured loans with collateral generally have easier approval.