Enter your monthly cash flow and every debt you carry. In a few minutes you will see how well operations cover debt service, how heavily the business is leveraged, and which creditor to deal with first.
Use a recent typical month, not your best or your worst. Everything is calculated in your browser. Nothing you enter is saved or sent to us.
Operating costs exclude debt repayment: rent, payroll, materials, utilities and similar.
One row per creditor. Monthly payment is what leaves the account each month for that debt, whether it is interest-only or amortising.
Ranked by annual interest rate, the usual order for renegotiating or retiring debt.
This tool gives a preliminary read on debt capacity. It is a starting point for discussion, not a substitute for a full restructuring engagement, audited financials, or legal and tax advice. The thresholds are common rules of thumb and vary by sector.
Send us your figures and we will come back with how we would approach the restructuring.