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Business Affordability

Are you wondering if you can afford to buy a business? This calculator will give you a rough idea of what you may be able to afford and how much you might earn.

This may include cash in your bank, shares you would sell, other assets you might sell, or other liquid funds available. Don't include equity in your home, we will get to that next.

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You will often be able to borrow up to 80% of the value of your home, eg. If your home is worth $1m and you have a $600,000 mortgage, you may be able to borrow another $200,000 to help buy a business.

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Select one

If you are borrowing against your house, or other property, you will enjoy longer loan terms and lower interest rates.

4% 8%
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Home loans are typically between 20 and 30 years.

10 Yrs 30 Yrs
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Based on the information above we can estimate how much extra you might be able to borrow as a business loan. This will allow you to buy a much more valuable business, but business loans must be repaid quite quickly reducing your earnings while you are repaying it.

A business loan is often at higher interest rates than a home loan, if you aren't sure use 9% as a guide. Slide to adjust.

7.5% 10%
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Typically business loans need to repaid within a much shorter time frame than home loans, if you aren't sure choose 5 years as a good starting point. Slide to adjust.

3 Yrs 7 Yrs
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Are you more likely to look for a business that may earn you less but is lower risk or a higher risk business that could earn you more? Select one.

Lower Risk Higher Risk

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