Find out how much loan your business can handle,
what you can borrow, and how to pay it off faster.
Loan affordability measures whether your revenue can comfortably cover the monthly payment. Keep it under 10–15% of revenue.
A loan payment that looks manageable on paper can quietly strangle a small business. The monthly number matters less than what percentage of your revenue it represents. A $1,000 payment means something very different to a business doing $10,000 a month than one doing $50,000. This calculator shows you that ratio so you can make the call with real context.
The rule of thumb is to keep debt service under 15% of revenue. That leaves enough margin for operating expenses, unexpected costs, and profit. Businesses that push above 20% often find themselves unable to invest in growth because every spare dollar goes to the loan.
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