Tool
Calculate monthly payment and cash flow coverage
Lenders do not just check whether you want the loan, but whether your cash flow can support it. Calculate both before submitting an application.
The operating cash flow from which you service the finance.
Repayment amount (per month)
€3,712
Average €3,712 per month
Annual debt service
€44,548
Total interest
€61,838
Total payable
€311,838
Cash flow coverage (DSCR)
4.04×
Ample coverage
Lenders typically require a minimum of 1.2 to 1.3. Below that threshold, there is no buffer for setbacks and you will need to adjust the loan term, amount or equity contribution.
Indicative calculation based on an amortising loan. Arrangement fees, management charges, valuation and advisory fees are excluded. No rights can be derived from these results.
How to interpret the result
The monthly repayment determines whether the finance is affordable; the DSCR determines whether a lender will grant it. If your coverage is too low, you have three levers: a longer term (lower monthly payment, higher total interest), a lower borrowing amount with more equity, or a different finance structure that better suits the purpose.
Read more about commercial loans, about working capital finance or about commercial property finance.
Wondering what is possible in your situation?
Submit your finance requirement. Within two working days, you will know which routes are realistic, what they cost and what is needed for a complete application file.