Free tools
The arithmetic, before you pay anyone for it.
Three calculators that work the way a commercial credit team works, rather than the way a turnover-and-rate calculator guesses. Free, no sign-up, and nothing you type is sent anywhere.
What can I afford?
How much business can you actually buy? Bounded by two separate things, the deposit you hold and what the earnings will service once you have paid yourself a market salary. It names which one is holding you back, because that decides what to do next.
Work out your rangeServiceability calculator
Can the business carry the debt? Adjusted earnings against every commitment, tested at an assessment rate above the one you were quoted. Gives you debt service cover, interest cover, covenant headroom and an indicative maximum facility.
Work out serviceabilityAdjusted EBITDA calculator
What does the business actually earn? Reported profit rebuilt into adjusted earnings, one add-back at a time, with the evidence each line needs to survive a credit review. It stops at earnings and applies no multiple.
Rebuild the earningsWhere a calculator stops
A tool assumes your numbers are right.
All three take what you type at face value. That is fine for a first read, and it is genuinely useful for working out whether a deal is even in range before you spend money on it. What it cannot do is tell you whether the earnings you typed in are the earnings a lender will adopt.
That is the paid work. The Debt Capacity Assessment ($1,850, 5 business days) runs the serviceability workbook from your actual financials, and financial due diligence rebuilds a target's earnings from source documents, testing every add-back rather than accepting it.
Want a straight read on your deal?
Book a free call with Nicholas. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.