free business loan eligibility check
Check what business loans you’re eligible for
Sign up for free to access our funding eligibility check and calculators.
✅ Business loan and mortgage rates
✅ Eligibility check from 100+ UK lenders
✅ Get support from our funding specialist
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FIND THE RIGHT LOAN FOR YOUR BUSINESS
Estimate how much your business can borrow
Check your company credit score eligibility
Calculate monthly repayments for a business loan
Business loan calculator
Use our business loan calculator to see how much your could borrow and the cost of the loan. Understand what your monthly repayments are likely to look like, as well as the total cost including interest. Get the funding you need to power your business.
What do you need the funding for?
Funding for covering costs e.g. tax or payroll. These are typically unsecured loans.
How long do you want to pay back your loan for?
How much do you want to borrow?
£25,000
Interest rate
Typical business loans to cover costs range from 7% - 16% APR depending on the duration, amount and lender.
Loan amount
£ -
Total interest amount
£ -
11% APR over 3 years.
Total repayment amount
£ -
Total monthly repayment
£ - / month
Not sure what you can afford?
Sign up to check your affordabilityHow much can my business borrow?
With business loans, as with personal loans, repayments are made monthly across the term of the product. E.g. 12 months, 24 months etc.
Lenders will consider some of the following criteria:
For example, if your business took a £120,000 loan for 2 years then it would need to repay £5,000 plus interest every month. This means that your business would need to generate significantly more than £5,000 each month in cash to comfortably afford that loan. This is what lenders are looking at when it comes to affordability.
This repayment must from the profit in your business (or free cashflow in technical speak) and come after different expenses you might have in the business have been deducted. This will include any existing repayments, dividends or periodic payments you might have.
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Which lenders should I apply to?
The business loan and funding you can get will depend on which funding product you opt for, the lender you work with and the length of the term-loan. Your eligibility will also consider:
This information shows banks and lenders how your business is performing, its stability and the risk of borrowing to you.
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How our business loan eligibility checker works
By submitting a few details about your business and funding need, you’ll be able to understand what business loans you could be eligible for in seconds. Including average monthly interest payments and any additional costs associated with different funding products.
You’ll be able to see exactly what funding your business can access by matching your Experian business credit profile and publicly available data from Companies House to calculate your funding eligibility.
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How to apply for funding?
Capitalise has a panel of 100+ business lenders to help you find the best suited funding match. Our Business Loan Calculator can help you understand what lenders would loan funds to your business so you can better understand your options.
We work with banks, specialist lenders and alternative lenders to offer a wide range of funding solutions. Here’s some of the funding products we have that may suit your business plans.
Get started for free.
Check your business loan eligibility with the Capitalise Business Loan Calculator