Business Cashflow & Loan Coverage
Estimate the monthly buffer and simple debt coverage after adding a proposed business loan.
- Free to use with no signup
- No impact on your credit score
- Clear estimates you can adjust
Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 18 August 2026 · About Corey →
Interactive calculator
Exclude all loan repayments from this figure.
Monthly cashflow after proposed loan
$0
- Cashflow before proposed loan
- $0
- Proposed monthly repayment
- $0
- Indicative debt-service coverage
- 0.00x
A positive buffer or coverage ratio is not an approval result. Lenders assess verified income, expenses, liabilities, conduct and their own serviceability rules.
Important information
Planning guide only, not an approval, credit assessment, accounting calculation or advice. Use verified figures and allow for seasonal and unexpected costs.
Detailed assumptions and limitations
- Revenue and operating expenses are monthly averages and assumed to remain stable through the proposed loan term.
- Operating expenses exclude debt repayments; existing and proposed debt are entered separately.
- The proposed loan uses level principal-and-interest repayments plus the entered monthly fee.
- Tax, drawings, working-capital swings, seasonal variation, balloon payments and lender serviceability adjustments are excluded.
FAQ
Can the business carry another repayment?
Use a realistic average and then stress-test slower months before borrowing.
It is entered monthly revenue less operating expenses, existing debt repayments and the estimated repayment for the proposed loan.
This calculator divides cash available for debt by existing and proposed monthly debt repayments. It is a simple indication, not a lender assessment.
Use a realistic monthly average of operating costs but exclude loan repayments, because those are entered separately.
No. Results depend on the accuracy of inputs, while lenders use verified figures, adjustments and their own servicing policy.
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