Merchant cash advance
MCA cost calculator
See the total repayable, effective fee and an illustrative APR equivalent on a merchant cash advance, given an advance amount, factor rate, holdback share and daily card revenue.
UK SME finance calculators
Plug numbers in, see what a finance product would cost in shape and scale before you talk to a lender. Each calculator is illustrative and uses public-domain formulas — none of them quote you, broker for you or share data with anyone. Final pricing is always set by the lender at underwriting.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
Available calculators
Invoice finance
Invoice finance cost calculator
Estimate the discount fee, service fee and net amount you receive against a single invoice, plus an illustrative annualised cost based on days outstanding.
Asset finance
Asset finance monthly calculator
Work out an indicative monthly payment for hire purchase or finance lease using asset price, deposit, term, rate and an optional balloon payment.
Business loan
Business loan repayment calculator
Estimate the monthly payment, total interest and total repayment on an amortising UK business term loan using loan amount, term in months and APR.
Business loan
Debt service cover ratio calculator
Work out your DSCR (net operating income divided by debt service) and see an educational interpretation band — under 1.0, tight, or comfortable.
Cashflow planning
Cashflow runway calculator
See how many months of runway your current cash buys at your monthly burn rate, and how many months a new funding drawdown would add.
Revenue-based finance
Revenue-based finance cost calculator
Estimate the total repayable, indicative monthly repayment and implied months to repay on a revenue-based finance advance using factor rate, monthly revenue and an agreed share.
Want a fit-check across all finance types?
Calculators tell you the cost shape of one product. The eligibility checker tells you which products are even worth modelling for your business profile.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.