Business Loan Affordability & Eligibility Checker
Answer a few questions about your business to get an indicative view of how much you could borrow, the likely lender tier, and an estimated rate band. An indication, not a decision.
Check where you stand
Your profile is strong. We can approach the full lender panel including challenger banks. Send us two years of accounts and a brief loan summary and we will come back with 3-5 indicative offers within the same working day.
This is an indicative assessment based on the figures you enter, not a lending decision or a credit search. Indicative rates and ranges are illustrative. We will give you real terms after reviewing your accounts.
How eligibility is judged
Lenders weigh six core factors: turnover, profitability, trading history, director credit, available security and the purpose of the loan. Different lenders weight these differently, which is why a business declined by one can be approved by another.
The debt service coverage ratio (DSCR) shows whether your profit comfortably covers the new repayments. Most lenders look for at least 1.25x.