Borrowings Calculator
To find out how much your business can borrow from banks or other sources using a range of commercial mortgages and other asset based finance products, please use the free interactive ready reckoner below:
| What you can borrow from | |||
| Your assets: | Estimated in £ | Bank | Other Lenders |
|---|---|---|---|
| Open market value of your freehold or long leasehold property
Higher rates of commercial mortgage advances are often available from independent lenders than from high street banks.
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+ | ||
| Second-hand value of your large items of plant and machinery
Surprising amounts of cash can sometimes be raised from plant and machinery by sale and leaseback deals.
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+ | ||
| Your total debtor book
Higher rates of funding from debtors can be achieved by discounting them than through conventional overdrafts.
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+ | ||
| Less debts over 3 months old | - | ||
| Finished goods stock
Funding of finished goods stock is now often available through invoice discounting firms.
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+ | ||
| Total potential borrowing ability
This is an indicative value only as your actual ability will depend on formal valuations and your your business's profitability, as well as the availability of other security such as personal guarantees or the DTI's Small Firm Loan Guarantee.
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| Your existing borrowings:
Including HP and leases outstanding.
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| Mortgage | - | ||
| Bank overdraft | - | ||
| Outstanding hire purchase or lease liabilities on the plant and machinery above | - | ||
| Factoring / invoice discounting advance (if applicable) | - | ||
| Total | |||
| Scope to raise further loans
Raising new funding will normally involve paying off existing balances owed.
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