─── TOOLS / BORROWING CAPACITY
What might you actually be able to borrow?
A starting point. Not a quote. Real lending decisions depend on more than three sliders — but this gives you a defensible range to think with.
─── ANNUAL REVENUE
$2,500,000
Last full financial year, before tax
─── EBITDA MARGIN
18%
Operating profit before interest, tax, depreciation, amortisation
─── SECTOR
Used to apply sector-appropriate lending multiples
─── INDICATIVE BORROWING CAPACITY
Range only. Real decisions depend on lender selection and credit assessment.
$1.8M – $2.5M
Combined facility range
Asset Finance$558K – $755K
Working Capital$319K – $431K
Term Debt$956K – $1.3M
Combined$1.8M – $2.5M
Estimated capacity
$1.8M – $2.5M
Models are useful. Conversations are better.
A range tells you what's possible. A conversation tells you what's actually achievable in your specific situation — and what structure would work best.