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Cost of borrowing calculator
The full, itemised cost of a Business Loan facility — every pound of interest and fees over your chosen amount and term, before you apply.
Work out the total cost →Free business finance tools
Calculators and tools for UK businesses
Seven free, instant tools for working out what borrowing really costs, how much your business can support, and where your cash is tied up. Every tool runs in your browser with a complete worked example — nothing you enter is sent or stored, and none of them run a credit check.
Affordability estimator
Enter revenue, costs and existing repayments to see the monthly repayment headroom your cash flow can realistically support.
Check your headroom →Product comparison
Business Loan vs Flex vs Slice side by side for the same amount and term — repayment pattern, total cost and best-fit use case for each.
Compare the three products →VAT bill spreader
Facing a VAT quarter larger than your cash balance? See what spreading it over a short term costs, week by week.
Spread a VAT bill →Business health score
Five key metrics — expense ratio, debt cover, surplus, debt load and liquidity — combined into a single 0–100 health score with a lending signal.
Score your business →Credit score estimator
Six questions about your trading history and payment record produce an indicative credit band — Strong, Good, Fair or Thin — before any lender looks.
Estimate your band →Working capital cycle calculator
Stock days plus debtor days minus supplier terms: how many days your cash is locked up, and the pound value of the gap that creates.
Measure your cycle →Every calculator ships with a complete worked example computed on our servers from the same pricing configuration the live products use — so the figures you see before touching anything are real, current and consistent with an actual quote.
Ready for a real figure?
The eligibility check takes two minutes, uses a soft search only, and tells you whether your company is likely to qualify before you commit to anything.
Check your eligibility