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 24 August 2026 · About Corey
Exclude all loan repayments from this figure.
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.
Explore cashflow finance, lines of credit and unsecured business loans.
Genuine settled outcomes
Related case studies
$60,000 limit
A revolving facility funded materials before progress payments
Approved on the first lender enquiry and settled with a $60,000 limit. Interest applied only to the amount in use, creating an ongoing project cashflow buffer.
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$174,000
Four Hilux vehicles for a company only one month old
All four vehicles were approved on the first lender enquiry and settled at a historical rate of 8.69%, with no deposit and a 30% balloon to preserve project cashflow.
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$75,000
Working capital bridged wages and materials during slow payments
Approved on the first lender enquiry and settled for $75,000 at a historical rate of 12.95%, allowing wages and materials to be paid while invoices remained outstanding.
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