Enter your details below
| Cost Category | Amount | % of Total |
|---|
| Interest Rate | Monthly Payment | Annual Payment | Total Interest |
|---|
Important Disclaimer & Assumptions
Assumptions: Startup funding requirements are estimates. Lenders typically require 6-12 months trading history. Startups may face higher rates and stricter terms. Cash runway estimates assume constant burn rate.
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.
Startup funding needs vary widely by industry and business model. Calculate your total startup costs (equipment, stock, fit-out, licenses) plus 6-12 months of operating expenses as a buffer. Most small businesses in Australia need $10,000-$500,000 to launch.
Options include personal savings, business loans (secured/unsecured), government grants (check business.gov.au), equity investors, crowdfunding, vendor financing, and family loans. Many startups use a combination of sources.
Start with a detailed budget of one-off startup costs, then project monthly revenue and expenses for 12-24 months. Include best, likely, and worst-case scenarios. Factor in your personal living costs and how long before the business becomes profitable.
