Commercial Finance Calculators
Free online calculators for Australian property developers and business owners. Plan your development finance, assess debt serviceability, and evaluate investment returns.
Development Finance Calculator
Estimate your total facility requirements for property development projects, including land acquisition and construction financing.
Enter your project details and click calculate to see results
Understanding Commercial Finance Metrics
Development Finance
Calculate total facility requirements including land acquisition costs, construction financing, and interest allowances for property development projects.
DSCR Explained
Debt Service Coverage Ratio measures your ability to service debt from operating income. Lenders typically require a DSCR of 1.25x or higher for commercial loans.
IRR Analysis
Internal Rate of Return helps you compare investment opportunities by calculating the annualized return. Higher IRR indicates better investment performance.
How to Use These Calculators
Our commercial finance calculators are designed to give Australian property developers and business owners quick estimates for planning purposes. While these tools provide useful guidance, actual loan terms will depend on your specific circumstances, security offered, and lender requirements.
Key Metrics Lenders Look For
Loan to Value Ratio (LTV): Most commercial lenders cap LTV at 65-80% depending on the property type and borrower profile.
Loan to Cost (LTC): For development projects, lenders typically finance up to 70-80% of total project costs.
Loan to GDV: Development lenders often limit exposure to 55-65% of the Gross Development Value.
Interest Cover Ratio: Similar to DSCR, lenders want to see adequate income to cover interest payments with a buffer.
Need Help with Your Calculations?
These calculators provide estimates only. For accurate financing terms tailored to your specific situation, speak with our team of commercial finance specialists.