Turn an ambition into a funding scenario.

Where is your business today? What could the next stage look like? Build a real budget, explore illustrative repayments, and take a clear outline into your first finance conversation.

Enquiries from $1MMajor transactions up to $250M*No credit check in this planner

Start with your business goal.

Choose an example to understand what a larger commercial funding plan might contain, or make your own.

Illustrative budget only — replace each amount with your genuine business requirements.

Where is your business today?

A few high-level figures help you test the plan against cash flow. No financial statements or identity documents are needed here.

Your business or project type Current annual business revenue (optional)$ Monthly cash available for NEW debt repayments (optional)$Existing operating costs, tax and debt obligations should already be allowed for. Security that could be considered

Build the use-of-funds budget.

Adjust these example amounts to what your business genuinely needs. Multiple business purposes can contribute to one overall funding plan.

Hiring, recruitment & workforce $ Marketing, sales & expansion $ Inventory & working capital $ Vehicles & fleet $ Equipment, machinery & tech $ Business acquisition & integration $ Land / property purchase $ Construction & development works $ Professional, legal & transaction fees $ Refinancing existing BUSINESS debt $ Contingency / genuine reserves $

Your own equity or contribution (optional, deducted from funding need)$

Budgeted funding requirement$1,200,000

This example meets the $1 million minimum enquiry amount. Check that every budget item is genuinely needed.

Explore how repayments could work.

Set your own illustrative assumptions. This is a planning calculator, not a rate quote, approval, or assessment of your business's borrowing capacity.

Illustrative annual interest rate 10% Illustrative facility term Illustrative repayment approach Possible incremental annual SALES (optional forecast, not assured)$

Illustrative monthly payment—During the selected structure

Cash-flow illustrationEnter cash flowNot an eligibility decision

Illustrations assume a constant annual rate, monthly compounding where relevant and exclude all fees, tax effects and lender-specific conditions. Development drawdowns and revolving facilities are more complex. Interest-only facilities still require principal repayment or refinance. A 12-month deferred structure is only available on certain approved products; interest may accrue during deferral.

Take the scenario into a conversation.

You can copy your outline, or attach it to a finance enquiry. A lender will need to check the purpose, documentation, security, cash flow and actual product availability.

The planner works in your browser and does not submit anything automatically. You choose whether to include this outline with your enquiry.

PLANNING BEYOND $250M?

A specialist proposal needs a direct conversation.

Our calculator covers up to $250 million. Larger transactions should use the specialist enquiry page.

Enquire over $250M ↗

COMMON QUESTIONS

What makes a credible $1M+ funding enquiry?

A documented business purpose

Clear use of funds — such as a signed acquisition agreement, fleet quotes, a development feasibility or payroll and growth plan — helps define the right structure.

A realistic repayment or exit plan

Business cash flow, security, development sales, refinance options and transaction evidence all matter. This calculator cannot establish affordability or eligibility.

One or several facilities

Working capital, secured term lending, equipment finance and development drawdowns may form part of the same broader strategy, subject to lenders' requirements.

Mixed-purpose transactions

One NoBnk product describes uses of funds as more than 50% business related. That is not a general permission for unrestricted personal spending: actual purpose and lender product conditions must be established.

Product reference: NoBnk published product information. Commercial Finance Loans is an enquiry and introduction service, not a loan approval engine.