Free calculator
Company borrowing power calculator
Two lending models, one screen. Enter your monthly deposits and any property you could offer, and see an indicative range for each way of borrowing.
How this calculator thinks
Business lenders in Australia generally decide how much to lend in one of two ways. A cash flow lender looks at the money moving through your company's bank account and asks how much repayment that account can carry. A secured lender looks at property, residential or commercial, and asks how much of its value can safely sit behind a loan. This calculator runs both questions at once so you can see which door is wider for your company right now.
The two answers are often very different. A busy company with strong deposits and no property might have a healthy cash flow figure and a zero property figure. A newer company with a director's home behind it might be the reverse. Plenty sit in the middle and end up using a bit of both.
The cash flow side
We start from your average monthly deposits because that's the first number a cash flow assessor pulls from your statements. The calculator assumes an indicative range of roughly half to one and a half months of deposits, which is a rule of thumb, not a lender's policy. It then trims the range if the company has traded for less than a year and reduces it when existing repayments already take a meaningful bite out of the account. The result is kept between $5,000 and $500,000, the band where unsecured and line-of-credit options usually sit.
What it can't see: dishonoured payments, overdrawn days, ATO arrangements, the spread of your customers and whether turnover is steady or lumpy. Those things move real offers up or down, which is why the bank statement explainer is worth five minutes before you apply.
The property side
For secured lending the maths is more mechanical. Multiply the property's value by the loan-to-value ceiling you want to test, subtract what's already owing, and the remainder is the room for a new loan. We show the result between $20,000 and $5,000,000, the range for property-secured business loans. Real ceilings depend on whether the property is residential or commercial, where it is, whether the new loan sits in first or second position and the lender's own appetite. The equity and LVR calculator goes deeper on that.
What to do with the numbers
If one side is clearly bigger, that's usually where the conversation starts. If both are small, the next step is understanding why, and the explainers in how lenders decide cover the usual culprits. When you're ready, the 60-second enquiry gets a real person looking at your actual figures, with no credit check to ask and no list of lenders receiving your details.
Frequently asked questions
Is this calculator an offer of finance?
No. It's a planning estimate built on simple, openly stated assumptions. A lending specialist confirms what's actually possible after looking at your bank statements, your property and your company's history.
Why does the cash flow estimate use monthly deposits instead of profit?
Cash flow lenders size unsecured loans mostly on the money that moves through your business account, because it's verifiable straight from bank statements. Profit still matters, but it usually shows up later in the assessment when they test whether repayments fit.
Why is the property estimate capped at a percentage of value?
Lenders keep a buffer between the loan and the property's value in case it has to be sold. That buffer is the loan-to-value ratio. The ceiling you choose here is an assumption; the real one depends on the property type, location, loan position and lender.
Can my company use both types of lending at once?
Sometimes. A company might hold a property-secured facility for a large purchase and a smaller line of credit for day-to-day cash flow. Lenders look at the combined repayments, so the second facility is assessed with the first one already counted.
Does using the calculator affect my credit file?
No. Nothing you type here is saved or sent anywhere, and enquiring with us doesn't involve a credit check either. A check only happens once you choose to go ahead with an application.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Your file stays with us
Lender's-eye honesty