Enter your details below
| Metric | Amount |
|---|---|
| Annual Revenue | $0.00 |
| Annual Expenses | $0.00 |
| Gross Profit | $0.00 |
| Existing Debt Repayments | $0.00 |
| Available for New Debt | $0.00 |
Important Disclaimer & Assumptions
Assumptions: Uses indicative DSCR thresholds. Actual capacity depends on detailed financial analysis, industry risk profile, security position, and lender-specific policies. Cash flow projections may be required.
General Disclaimer: This calculator is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory (Credit Representative 575841, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
© 2026 Mortgage & Finance Advisory. All rights reserved.
Lenders assess your business's ability to service debt by examining revenue, net profit, existing debts, industry type, years in operation, and available security. They typically use a debt service coverage ratio (DSCR) of 1.25-1.5x, meaning your cash flow must exceed repayments by 25-50%.
New businesses (under 2 years) face more scrutiny but can still access finance through startup loans, government grants, equipment finance (where the asset is security), or by offering property as collateral. A strong business plan and industry experience help.
Security can include commercial or residential property, business assets, equipment, inventory, or personal guarantees. Secured loans offer better rates and higher amounts. Some lenders offer unsecured business loans up to $500,000 based on cash flow alone.
