Business Loan

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.

Budget-based estimate Any loan term Current rates Free tool

Key Facts

Approach Monthly repayment budget

Longer term Higher max loan, more interest

Lender check Revenue, profit & trading history

Secured loans Easier approval with collateral

Min trading history Typically 1–2 years

01 —INPUTS

Monthly budget (AUD)

The monthly payment your business can comfortably afford.

Annual interest rate (%)

Loan term (years)

02 —RESULTS

Maximum loan amount147,955.30

Using the result

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 — but 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 and payoff timeline.

Revenue vs profit

Lenders assess both. Revenue shows earning capacity; profit after expenses determines serviceability. Consistent margins over 1–2 years strengthen your application.

Cashflow impact

Use the cashflow impact calculator to model how the monthly repayment affects your net cash position and break-even revenue after tax deductions.

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.

Business Loan Borrowing Power Calculator

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