How much can my business borrow?

This calculator works backwards from what your business can comfortably repay to the largest amount that fits, at a cost you assume. It is an affordability check, not a lender approval: it tells you what your revenue can carry, so you can judge an offer when it comes rather than letting the offer set the number.

What each input means

• Monthly revenue. A typical month, before costs. Roughly is fine.
• Existing loan and advance repayments a month. Everything you already pay on loans, advances and lines. Convert daily debits to monthly by multiplying by 21.
• Share of revenue you're comfortable repaying. Your assumption, between 1% and 50%, covering all repayments, old and new. There's no single lender rule; this is your call.
• Term. How many months the new financing would run.
• Assumed cost (APR). Use the APR from a real offer if you have one. If your offer is a factor rate, convert it first with the MCA APR calculator.
• Frequency. Daily, weekly or monthly payments.

The method

1. Monthly room = monthly revenue × your share − existing monthly repayments.
2. That room is split into payments: ÷ 21 for daily, ÷ 52/12 for weekly, or kept whole for monthly.
3. The calculator finds the amount whose level payments at your APR, over your term, equal that payment. That is the central figure.
4. The range re-prices the same room at your APR × 1.5 (the lower amount) and × 0.5 (the higher amount), because the real price is up to the lender.

Worked example

A business taking $100,000 a month already pays $3,000 a month on an existing loan. The owner is comfortable putting 10% of revenue toward all repayments, so there's $7,000 a month of room.

• Over 24 months, monthly, at an assumed 18% APR: about $140,213, with a range of about $128,723 to $153,224.
• Over 12 months, weekly, at an assumed 40% APR: about $69,017, paid as 52 weekly payments of $1,615.38, with a range of about $62,902 to $76,001.

Same room, different shape: the shorter, dearer money supports about half as much.

Limitations

• It doesn't check eligibility, credit or industry. A lender may offer more or less.
• It assumes level payments. Holdback advances vary with sales.
• Revenue isn't profit. If your margins are thin, a lower share is safer.
• It ignores fees. Use the offer checker once you have a real offer, and the loan payment calculator to see the payment on a specific amount.