How much can your business borrow?
Get an instant, indicative debt capacity estimate for your business. Free, confidential, and powered by professional-grade lending models.
No sign-up required. Results in under 2 minutes.
Why use our calculator?
Built on professional-grade lending models, our calculator gives you a realistic view of your borrowing capacity.
Instant Results
See your estimated debt capacity update in real-time as you enter your financial data. No waiting, no delays.
Detailed Breakdown
Get a full facility breakdown including term loans, mortgage, invoice discounting, HP, and stock facilities.
Confidential & Free
Your data is used solely for this calculation. No obligation, no hidden fees. A free service from Bedrock Commercial Finance.
Personalised Follow-Up
Our team will review your results and contact you to discuss them in more detail.
How it works
Three simple steps to discover your business's borrowing potential.
Enter Your Details
Provide your name, email, and company information. We use this to personalise your results and follow up.
Input Your Financials
Use our intuitive sliders to enter turnover, profit, assets, and more. See results update instantly.
Get Your Report
Receive your indicative debt capacity breakdown. Our team will be in touch to discuss your results.
Calculate your debt capacity
Enter your financial details below to receive an instant indicative debt capacity estimate.
Frequently Asked Questions
What is a debt capacity calculator?
A debt capacity calculator estimates how much debt financing your business could potentially access based on your financial data. It considers factors like turnover, profitability, assets, and existing debt to provide an indicative borrowing range.
Is this financial advice?
No. This calculator provides indicative estimates for informational purposes only. The results should not be relied upon as a guarantee of debt availability. We strongly recommend consulting with a qualified financial professional before making financing decisions.
How accurate are the results?
The calculator uses professional-grade lending models based on standard market assumptions. However, actual lending decisions involve detailed due diligence and are subject to lender-specific criteria. Results should be treated as a helpful starting point rather than a firm offer.
What data do I need to use the calculator?
You'll need basic financial information including your company's turnover, operating profit (EBIT), and balance sheet items such as property, fixed assets, stock, and trade debtors. Most of this can be found in your latest accounts.
Is my data kept confidential?
Yes. Your financial data is used solely for this calculation and to enable our team to follow up with you. We do not share your information with third parties. Please see our Privacy Policy for full details.
Who is Bedrock Commercial Finance?
Bedrock Commercial Finance Limited (company number 17407283) arranges commercial finance for UK limited companies and is part of the Apex Aspire group. This calculator is a free tool to help businesses understand their borrowing potential.
What happens after I submit my calculation?
A member of our team will review your results and contact you to discuss them in more detail. This is a free, no-obligation conversation to help you understand your results.