Finance Tools
Business finance calculators
Estimate your monthly repayments, interest costs, and stamp duty before you apply. All calculators require no sign-up.
VAT / HMRC loan calculator
Estimate your monthly repayments on a tax finance loan. Guide tool only.
£10,000 to £1,000,000 (£500,000 cap for PAYE / Self Assessment)
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Business loan calculator
Estimate your monthly repayments and total cost over the term. Guide tool only.
£50,000
36 months
Illustrative only, not a quote.
Interest calculated on a reducing balance.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Bridging loan calculator
Estimate interest costs and full transaction costs on a bridging loan.
Illustrative only, not a quote. £50,000 to £10,000,000.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Commercial mortgage calculator
Rate shown as BoE base rate (3.75%) plus a margin. Guide tool only.
£100,000 to £10,000,000
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Buy-to-let mortgage calculator
Estimate monthly repayments, rental coverage and total cost. Guide tool only.
£100,000 to £10,000,000
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Development finance calculator
Estimate the cost of a development finance facility, including drawdowns and rolled-up interest.
Illustrative only, not a quote. Facility £250,000 to £10,000,000.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Refurbishment finance calculator
Estimate the cost of a refurb facility, including the works tranche and rolled-up interest.
Illustrative only, not a quote. Facility £100,000 to £10,000,000.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Auction finance calculator
Estimate the cost of bridging finance to complete an auction purchase within the 28-day deadline.
Illustrative only, not a quote. Facility £50,000 to £10,000,000.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Hire purchase (HP) calculator
Estimate monthly payments on a vehicle hire purchase agreement.
0.0% of vehicle price
36 months
Rate shown is a flat rate. The equivalent APR is higher.
Illustrative only, not a quote. Facility £20,000 to £500,000.
HP gives you full ownership at the end of the agreement. The vehicle is the security, no additional assets required.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Finance lease and lease purchase calculator
Estimate monthly payments with a balloon payment at the end.
Enter a vehicle price
30% of price
A bigger balloon lowers your monthly payments but leaves a larger lump sum to pay, refinance, or hand the vehicle back at the end.
Illustrative only, not a quote. Facility £20,000 to £500,000.
The balloon payment is a lump sum due at the end of the agreement. You can pay it to own the vehicle, refinance it, or hand the vehicle back. A larger balloon means lower monthly payments but a bigger sum at the end.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Invoice finance calculator
Enter your own figures, see the full cost breakdown, and compare a better deal side by side.
60 days
Your figures
85%
Leave blank if none. We never pre-fill a broker fee.
Illustrative planning tool only, not a quote. Invoice finance fees vary by lender, sector and risk.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Merchant cash advance estimator
Estimate how much you could borrow based on your card takings.
Illustrative only, not a quote. Advance £1,000 to £1,000,000.
Factor rate: 1.25. A factor rate of 1.25 means a £10,000 advance costs £12,500 in total.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
VAT reclaim calculator
Get the cash from your VAT refund now instead of waiting for HMRC.
80%
One-off fee charged on advanced amount.
8 weeks
The wait time does not change the cost. The fee is a one-off charge on the amount advanced.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
R&D tax credit advance calculator
Advance against an expected HMRC R&D tax credit claim.
70%
One-off fee charged on advanced amount.
6 months
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Stamp duty calculator (commercial / mixed-use)
Calculate SDLT due on a commercial or semi-commercial property purchase.
Commercial and mixed-use property both use non-residential SDLT rates.
Rates correct for England and Northern Ireland. Different rates apply in Scotland (LBTT) and Wales (LTT). Always confirm with your solicitor.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.