⭐ Business Loan Affordability Calculator

Estimate EMI, DSCR, break-even, payback and view a 24-month cashflow projection. Values auto-adapt to your inputs.

⭐ EMI + DSCR ⭐ Cashflow Projection ⭐ Break-even & Payback ⭐ Runs Locally

Step 1: Choose business type ? Step 2: Enter numbers ? Step 3: Click Calculate

Select Your Business Type

Choose Existing if you have current revenue/expenses. Choose Startup if you want to model expected revenue after launch.

Loan & Business Inputs

+?37,500/mo
Extra money you expect to earn each month after investment
£15,000/mo
How much your monthly revenue goes up and down: (max-min)/avg ×100
?37,500/mo max
Maximum safe EMI based on your revenue stability & profit margin
Annual Profit ÷ Annual EMI = 1.4×
Lenders want your annual profit to be 1.2–1.5× your annual EMI
Time to reach expected revenue after launch
?40,000/mo max
Conservative EMI limit for startups (recommended: 15-25%)
Annual Profit ÷ Annual EMI = 1.5×
Lenders typically require higher DSCR for startups (1.5-2.0)
⭐ Tip
Values for "safe EMI" and "DSCR" are auto-suggested based on your revenue stability (seasonality) and profit margin. You may override if you have lender constraints.

24-Month Cash Flow Projection (Before vs After Loan)

Financial Summary (After Loan)
Monthly Revenue --
Monthly Expenses --
Monthly Profit (NOI) --
EMI --
Free Cash after EMI --
Key Numbers Explained
DSCR Formula: --
Monthly Revenue Swing: --
Safe EMI Limit: --
Revenue Increase: --

Recommendation

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Payment Options Comparison

Option EMI Total Interest Total Paid

Annual Amortization Summary

Year Principal Paid Interest Paid Outstanding

Quick Definitions - In Simple Terms

  • EMI: Your fixed monthly loan payment (like a rent payment for the loan)
  • DSCR: Yearly Profit ÷ Yearly EMI Payments. Lenders want this to be 1.2–1.5 or higher
  • Working Capital Reserve: Emergency cash saved up (in months of revenue)
  • Break-even: Months until you recover ALL costs (loan + investment + reserve)
  • Payback: Months until your investment pays for itself from extra revenue
  • Runway: For startups - how many months you can operate before running out of funds
📥 Important Disclaimer:
These calculations are estimates and not financial advice. Consult a licensed financial advisor or your lender for personalized guidance and exact loan terms.