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Business loan affordability calculator

What trading profit can service.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
1.5x
9.5%

Borrowing capacity

$444,405

Affordable payment

$9,333

With these inputs, borrowing capacity comes to $444,405 over 5 years. Affordable payment works out to $9,333. The result assumes rate stays at 9.5%.

Payment at that size
$9,333.33

Over time · by term

What moves the number · Borrowing capacity

Input−10%Now+10%
Monthly operating profit$399,965$444,405$488,846
Debt service cover$493,783$444,405$404,005
Rate$454,384$444,405$434,733
Term$408,816$444,405$478,349

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Whatmakesequal

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What trading profit can service.

A worked example

Starting figures

Monthly operating profit
$14,000
Debt service cover
1.5 x
Rate
9.5%
Term
5

What it returns

Borrowing capacity
$444,405
Affordable payment
$9,333
Payment at that size
$9,333.33

How to read the results

With the defaults above, borrowing capacity works out at $444,405.

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