See where lenders are likely to land before you pick up the phone.
This calculator produces an indicative debt capacity estimate based on your business financials, assessing lender appetite against different asset classes in line with market norms.
It is designed for management teams preparing for a lender process, considering a refinance, or assessing headroom ahead of an acquisition. The output is illustrative only and does not constitute financial advice. A full review with K3 Deal Advisory will refine the picture.
Your numbers
Earnings before interest and tax. Use a negative figure if the business is loss-making.
Total drawn debt facilities
Indicative capacity
Enter your numbers to see an indicative debt capacity.
Appetite, assessed against the right asset classes.
We assess lender appetite against different asset classes in line with market norms. The estimate pulls together what the UK mid-market would typically support against cashflow, property, fixed assets, receivables and stock — shaped by the business profile you describe rather than a one-size-fits-all formula.
The calculator is a starting point. A structured review with K3 Deal Advisory will incorporate interest cover, covenant headroom, lender-specific credit policies, security package and the funding requirements of the specific transaction — the dimensions that determine whether a term sheet is actually achievable and on what terms.
Ready to take the next step?
Talk to an adviser about your funding requirements.