Free tool
Business borrowing capacity estimator
A rough guide to how much unsecured business funding lenders may consider, based on monthly turnover and existing repayments.
Indicative unsecured range
$48,000 – $108,000
Full panel available; property ownership widens it further.
Rule-of-thumb only (1–2× monthly turnover less commitments). Not an approval or offer.
How to read this
Unsecured lenders commonly size a loan at 1–2 months of turnover, reduced by existing debt repayments. This is an estimate for conversation, not an approval — actual limits depend on the lender, trading history and credit.
Serviceability
Serviceability is a lender’s assessment of whether your cash flow can support the proposed repayments after existing commitments.