Commercial finance calculators

Free tools for UK commercial property and business finance. Each one shows its working, cites where its figures come from, and refuses to give you a number when it cannot give you a reliable one.

• Commercial stamp duty calculatorSDLT on a freehold purchase, a new lease including the net present value of the rent, or taking over an existing lease.
• Debt service cover calculatorHow many times rent or trading profit covers the debt service, at a stressed rate, compared against what named lenders actually publish.
• Development finance calculatorFacility size against both limits lenders apply, which one binds, and the residual land value as a range rather than a single figure.

By sector

• Pub financeThe tests lenders apply to a pub, why the lease term caps the loan term, and what to work out before you approach anyone.
• Asset financeFunding equipment on its own facility rather than loading it into the main loan, and checking the combined repayments are serviceable.
• Private and specialist lendersWho lends when a high street bank will not, what changes, and how to test whether the deal still works at their rates.

Withdrawn while being rebuilt

• Leasehold newsagency valuationWithdrawn because it left out cost of goods sold. A rebuilt version, tested against real accounts, is in progress.
• Leasehold hotel valuationWithdrawn as unreliable. A rebuilt version, tested against real accounts, is in progress.

Make an enquiry

Want help placing a deal? Make an enquiry. The first few questions tell you on the same screen whether it is something we are able to help with, before you give any contact details.

Who is behind this

Five Counties Finance is run by a former commercial finance broker with about twenty years in the trade. The work was mainly small leasehold businesses: newsagents, corner shops, cafés, take-aways and fish and chip shops. Of those, franchises were the easiest to place.