Free calculators & planners · No account, no credit check
Money tools to plan before you borrow
A free calculator and planning suite that answers one question before you borrow — what will this actually cost, and can my business afford it? Everything runs in your browser, takes no personal data, and is open to everyone.CostFree — no account
Your dataNothing sent — runs in your browser
Credit fileNo check, no impact
Who can use itOpen to everyone
The tools
Free business finance calculators to help you plan
These calculators are free to use and need no account. They collect none of your details — everything runs in your browser. Built for company directors and sole traders, they help you weigh up interest, savings, working capital and cash flow before you make a decision. They are planning tools, not credit checks — nothing here affects your credit file or commits you to anything.Cost calculator
See the total repayment, every instalment date and a representative APR for the Business Loan, Flex and Slice — then save the quote as a PDF.Open toolLoan affordability check
Before you borrow, check the real cost of a facility and whether the repayments fit your cash flow.Open toolInterest calculator
See how much interest a balance earns or costs — simple vs compound, with the maths shown.Open toolSavings calculator
Set a starting amount, a monthly contribution and a rate, and see what it could grow to.Open toolBudgeting tool
A simple monthly budget for a director or a small company — income in, costs out, what is left.Open toolThinking about a business loan?
If you are weighing up borrowing, start with the loan affordability self-check. It walks through the real cost of a Credicorp loan and checks it against your cash flow — it also lists cheaper options to consider first, the same honest advice we show before you apply.From there, the cost calculator lets you model an amount and a term to see the indicative repayment and total cost. Pair it with the budgeting tool and the cash flow numbers from your own accounts, and you can judge whether the repayments sit comfortably alongside payroll, stock and tax before you commit.How to use the calculator
Work out what a facility will cost — before you apply
1
Choose the product
Business Loan for one fixed sum over one fixed short period, Credicorp Flex for a revolving limit you draw and redraw, or Credicorp Slice to split a dated bill into instalments.2
Enter amount and term
Set how much you want and over how long, within the published ranges for that product.3
Read the total cost
The tool returns the total repayment, the interest and fees behind it, the representative APR and a dated repayment schedule.4
Check it fits, then save
The affordability check sets the repayments against your cash flow; the calculator can print or save the quote as a PDF.More free tools, planners and templates
The calculators here are a quick start. Our dedicated tools hub goes further — interactive affordability and repayment planners, downloadable spreadsheet templates and step-by-step money guides you can take away and use in your own time. Everything runs in your browser; nothing you type is sent anywhere.
Eligibility
Open to all — to borrow what you model, you’ll need
The money tools are open to anyone — no account, no UK requirement. Credicorp lends only to UK limited companies and LLPs for business purposes, so this lending sits outside the FCA consumer-credit regime. Applying, the customer portal and the app are UK-only.A UK limited company or LLP
We lend to the company, not to its directors. No personal guarantee, no director liability.A UK business bank account
Funds land in the company account on approval.Trading for a short qualifying period
A short, established trading history is enough to apply.A decision within the hour
Decisions are AI-assisted and typically confirmed within an hour during working hours.A calculator makes borrowing feel easy — use it to borrow less, not more
Short-term business credit carries a high annualised cost. Model the real total before you commit, borrow only what you need for the shortest term required, and settle early where you can to reduce what you pay. If repayment becomes difficult, contact us early — get help with payments. Support for vulnerable customers is at legal/vulnerability.Related products