Free Commercial Finance Calculators

Free calculators for UK business owners and property investors. No sign up, no email address, nothing stored. Everything runs in your browser and the workings are shown so you can check the math’s yourself.

Business finance calculators

Business Loan Calculator

Built for the way UK business lending is actually quoted. Handles reducing balance, flat rate and factor rate deals, and shows what each really costs on the same scale.

Arrangement fees wherever they sit, broker fees with or without VAT, capital repayment holidays, balloon payments, an illustrative annual rate on the cash you receive and a full payment schedule.

Business Loan Consolidation Calculator

Compares up to six existing facilities against a single new loan, using settlement figures rather than balances. Shows the blended rate you are paying now.

Works out the implied cost of each debt separately and marks which are worth refinancing and which are cheaper left alone, then quantifies how much a lower monthly payment adds to the total.

Asset Finance Calculator: Lease vs Buy

Hire purchase, finance lease and operating lease priced properly, with balloon payments and flat rates converted to something comparable.

Then compares financing against paying cash in today’s money, including capital allowances and relief on rentals. The tax treatment often reverses the answer, and no other tool shows it.

Business Valuation Calculator

An indicative value on an adjusted EBITDA multiple, with the add-backs a buyer will accept and the equity bridge for debt and cash that catches sellers out.

Includes a turnover cross check, a net asset floor, and a test of whether the price could actually be funded, because a price the business cannot service will not complete at any valuation.

Late Payment Interest Calculator

Statutory interest at 8% over base plus fixed compensation on late commercial invoices, under the Late Payment of Commercial Debts (Interest) Act 1998. The right applies whether your contract mentions it or not.

Handles up to five invoices with compensation applied per invoice, uses the correct twice yearly reference rate rather than today’s, and writes a letter you can copy and send.

Merchant Cash Advance Factor Rate Calculator

Converts a quoted factor rate into an effective annual rate. Enter the advance, the factor rate or total repayable, your holdback percentage and your average monthly card turnover.

Shows total cost, cost per pound received, the likely repayment period, the amount held back per business day, and how the annual rate moves if your takings rise or fall by 20%.

CIS Gross Payment Status Eligibility Checker

Runs your figures against HMRC three tests for gross payment status: the business test, the turnover test and the compliance test, including the VAT obligations added on 6 April 2024.

Works out your net construction turnover, applies the correct threshold for a sole trader, partnership or company, and tells you which specific compliance failures fall outside the tolerances HMRC is allowed to overlook.

Payroll Funding Calculator For Recruitment Agencies

How much working capital an agency needs to cover payroll while waiting 45 or 60 days for the client to pay. Handles CIS subcontractors and PAYE temps with employer on-costs.

Shows weekly invoice value, weekly labour cost, gross margin, the peak funding requirement, what each additional worker adds, and how much of it a funder would advance.

Property finance calculators

Commercial Stamp Duty Calculator

Non-residential SDLT on a freehold purchase or a new lease, for England and Northern Ireland. Includes the net present value of rent that most calculators leave out entirely.

Band by band breakdown, VAT inclusive consideration, the £1,000 rent rule that removes the nil rate band on a premium, mixed use, and the six or more dwellings treatment.

Bridging Loan Cost Calculator

The true cost of a bridge, not the monthly rate. Compares retained, serviced and rolled up interest, with arrangement, exit, broker, valuation and legal costs included.

Shows the net funds actually released on day one, the total interest, the amount needed to redeem, and the annualised cost against the cash you receive.

Commercial Mortgage Affordability Calculator

The maximum loan on both lender tests: debt service cover measured at a stress rate, and maximum loan to value. Works from rental income or adjusted trading profit.

Tells you which test is actually limiting the loan, which decides whether the answer is more deposit or a different structure.

Development Finance Drawdown Calculator

Models the drawdowns month by month, with interest running on drawn funds only rather than on the whole facility.

Shows peak debt at redemption, rolled up interest, loan to gross development value, loan to cost, the cash equity you need to put in, and profit on cost.

Residual Land Value Calculator

The most you can pay for a development site and still make your target return. A full appraisal from gross development value down to land value.

Solves the circularity between land price, finance cost and profit exactly, rather than ignoring the interest on the land. Includes a stress test for sale values down, build costs up and the programme running late.

BRRR Calculator

Buy, refurbish, rent, refinance modelled end to end. The bridge, the rolled up interest, the refinance and what is left over, in one place.

Includes the rental cover test that caps the refinance regardless of valuation, the six month rule, and how much of your cash really stays tied up in the property.

Please link to these

If a calculator would help your readers or clients, link to it. No permission needed and no attribution required, though it is appreciated. Accountants, insolvency practitioners, commercial agents, quantity surveyors and other brokers are all welcome to use them with clients.

https://bolton-finance.co.uk/business-loan-calculator/
https://bolton-finance.co.uk/business-loan-consolidation-calculator/
https://bolton-finance.co.uk/asset-finance-calculator/
https://bolton-finance.co.uk/business-valuation-calculator/
https://bolton-finance.co.uk/late-payment-interest-calculator/
https://bolton-finance.co.uk/merchant-cash-advance-factor-rate-calculator/
https://bolton-finance.co.uk/cis-gross-payment-status-checker/
https://bolton-finance.co.uk/payroll-funding-calculator/
https://bolton-finance.co.uk/commercial-stamp-duty-calculator/
https://bolton-finance.co.uk/commercial-mortgage-affordability-calculator/
https://bolton-finance.co.uk/bridging-loan-cost-calculator/
https://bolton-finance.co.uk/development-finance-drawdown-calculator/
https://bolton-finance.co.uk/residual-land-value-calculator/
https://bolton-finance.co.uk/brrr-calculator/

If you would find a calculator useful that is not here, tell us and we will look at building it.

Why none of these show rates

Every rate, fee and lender threshold is one you enter yourself. We do not publish pricing inside these tools, because pricing moves and a calculator with last year’s numbers baked into it gives you a confidently wrong answer. Put in the terms you have actually been quoted and the tool prices that deal.

Where a tool relies on rules rather than pricing, such as the CIS checker, the rules are set out in full on the page with the date they were last verified, so you can see exactly what is being applied and check it against the source.

Want the deal looked at properly?

A calculator tells you what something costs. It cannot tell you whether it is the right product, or whether a lender will actually do it. We are a whole of market business finance broker covering business loans, invoice finance, asset finance, merchant cash advances, commercial mortgages, bridging and development finance. Send us the figures and we will tell you plainly what is available.

Call 0161 546 9128 or use our contact page.

These calculators are provided for illustration only and do not constitute financial advice, an offer of finance, tax advice or a development appraisal. Bolton Business Finance Ltd is not authorised or regulated by the Financial Conduct Authority and arranges non-regulated, business purpose commercial finance only.

Simon Johnson

Simple, easy and professional. Listen to business requirement and found the perfect funding solution. Thank you...!

Ihsan Gungor

Great help and fast

Hassan Raza

Many Thanks Marcus for arranging funds for my business despite having several challenges on credit file.

Craig Barclay

Amazing service - Thank you Marcus first class

Shazad “Shaz” Khan

The service is undecrible. I had a lot of issue through other brookers but it has been dealt professionally by Marcus. The service i received is more then beyond expectations.

Gordon Angus

I can't recommend Bolton Business Finance Ltd highly enough. They were able to get us excellent terms and a higher loan amount than expected - far better than any other broker. Marcus was very friendly, helpful and supportive throughout the application and I will definitely use their services again.

Gerad Barclay

Exemplary Business Finance Service Bolton Business Finance and its MD Marcus Wright are professional and an example to others in the industry. Strongly recommended. Most business people searching for a business finance broker will have dealt with Estate Agents, Recruitment Agencies, or both. You know the types; recruitment “consultants” that try to palm you off with unsuitable candidates having doctored the CV to look great, or estate agents that assure you the enquirer is a “Cash Buyer” or in a fabulous position when in fact they have not even got an offer yet for their overpriced property. Many Business Finance Brokers are as above, probably worse. They work the numbers game of collecting applicants then punt the applicants around the types of lenders that want to tie you down with crazily high interest rates, unviable repayment terms and the ubiquitous PG. My advice is to look out for these shady practitioners. They want your personal ID, 6 months Bank Statements and annual accounts before even discussing solutions to your problem. They have only a passing conversational interest in your business. Be especially alert to the additional introduction “Fee” for getting to offer stage. One such broker added a 5% fee unto an already sky-high rate of interest front-loaded unto the principle, no reduction for early settlement, and of course the dreaded PG. Try getting 5% Interest per year on deposit of £200,000…. It is currently almost impossible yet, some brokers want 5% (£10,000 on that £200K) just for the introduction. That’s 3–5 times what Estate Agents will charge, and they typically must do some work and wait 6 months for the transaction to complete. The broker may well have punted your most personal details by email to any number of lenders leaving you exposed in many ways. Marcus did none of the above. He listened to the requirements. Noted preconditions, made no promises but came back very quickly with imaginative propositions. Very personal details and confidential information were requested only when there was agreement in principle. I will certainly use again.

Tyler Homeyard

Great company to deal with. Marcus is a great guy and knows what he’s doing. They helped me with factoring my invoices on Courier Exchange. Very seem less process. Highly recommend.