Free calculators
Run the numbers before you borrow
Seven quick calculators built for Australian business owners. They run privately in your browser, nothing is stored, and none of them asks for an interest rate.
Repayment Estimator
Enter the amount, the term and the total cost a lender quotes. See weekly, fortnightly and monthly repayments side by side.
Open calculator →Cash Flow Gap Calculator
Twelve weeks of money in and money out. Find the lowest point, the week it hits and the size of the gap.
Open calculator →Working Capital Calculator
Debtor days, stock days and creditor days into one cash cycle, and the working capital it ties up.
Open calculator →Invoice Finance Calculator
See how much an advance on your unpaid invoices could release now and what lands when customers pay.
Open calculator →Break-Even Calculator
Fixed costs and margin into the sales you need each month, plus how long new funding takes to pay its way.
Open calculator →Line of Credit Drawdown Planner
Plan draws and repayments month by month and see your balance and available limit at a glance.
Open calculator →Loan Readiness Checklist
Tick off what lenders ask for and get a plain-English readiness score before you enquire.
Open calculator →Which calculator should you start with?
If you already have an offer in front of you, start with the repayment estimator. Enter the amount, the term and the total cost the lender quoted, and it shows what leaves your account each week, fortnight and month. That is the number that decides whether a facility is comfortable.
If you are not yet sure how much you need, the cash flow gap calculator maps twelve weeks of money in and out and finds the lowest point. Borrowing to cover the gap, plus a buffer, is usually far cheaper than borrowing a round number that sounded right.
Growing businesses should run the working capital calculator. It shows how much cash is tied up in unpaid invoices and stock, and how much a few days off your debtor days could free up. If most of that money is sitting in invoices to other businesses, the invoice finance calculator estimates what an advance could release.
Why none of them ask for an interest rate
Business finance is priced on the business in front of the lender, so a generic rate would mislead you. Instead, our tools work with the figures that matter to cash flow: the total amount repayable, the timing of repayments and the size of the gap. When you have a real quote, plug its total cost into the repayment estimator and you will see exactly what it means for your account.
When the numbers are clear, start a 60-second enquiry. There is no credit check to enquire and a real person reviews it.
Let's get your cash flow moving.
One short enquiry, no credit check to enquire and a real person on the other end. Your details stay with us.