Calculators
Free, honest finance calculators for UK business owners
Real numbers, including the tax treatment other calculators skip. Edit the assumptions to match your quote — no login, no obligation.
Use these tools to compare asset finance routes, model bridging costs with every fee visible, and understand how tax relief changes the true price of funding. They are illustrative, not quotes — but they answer the question you actually have before you speak to a broker.
Tera provides free UK business finance calculators covering borrowing capacity, loan and MCA comparisons, tax bill spreading, invoice finance, commercial mortgages, buy-to-let stress tests and development profit-on-cost — with representative rates you can edit to match a quote.
Live calculator
HP vs lease vs cash
Compare hire purchase, leasing and buying outright — net all-in cost after UK corporation tax relief.
Open calculatorLive calculator
Bridging loan true cost
Itemised bridging costs including arrangement, interest, exit, valuation and legals — with Tera's £0 broker fee.
Open calculatorLive calculator
How much can I borrow?
Estimate borrowing capacity from turnover, profitability and existing debt.
Open calculatorLive calculator
Business loan repayment comparison
Compare term loan, revolving credit and invoice-backed facilities side by side.
Open calculatorLive calculator
VAT and tax bill spreader
Model spreading a VAT or corporation tax bill over representative terms.
Open calculatorLive calculator
Invoice finance — cost of waiting
See what delayed payment is costing you versus releasing cash from invoices.
Open calculatorLive calculator
Commercial mortgage calculator
Monthly cost, fees and equity required for owner-occupied or investment property.
Open calculatorLive calculator
BTL stress test
Check whether rental income meets typical buy-to-let stress assumptions.
Open calculatorLive calculator
Development finance profit-on-cost
Gross development value, build costs and profit-on-cost in one view.
Open calculatorAbout these calculators
Why we built honest finance calculators
Most online finance calculators show a monthly payment and stop. For UK businesses, that is rarely the number that matters. Corporation tax relief on asset purchases, the difference between hire purchase and operating lease treatment, and bridging fees deducted from day-one advance all change what funding actually costs.
Tera's calculators are built for business owners and finance directors who want to sanity-check a quote before speaking to a broker. Edit rates, deposits, terms and fee lines to mirror a term sheet — then request an exact figure from our lender panel with no obligation.
Who these tools are for
These calculators serve UK SMEs, property investors and company directors comparing asset finance structures or bridging costs. They assume ex-VAT figures unless noted and use representative UK tax rates — confirm eligibility for capital allowances, Annual Investment Allowance and full expensing with your accountant.
If you are a partner or accountant referring clients, share the calculator URL — inputs persist in the query string so you can pick up the conversation where they left off.
Calculator FAQs
Get a quote
Tell us what your business needs.We'll handle the next steps.
Complete the short form and a Tera commercial finance specialist will review your requirement and contact you to discuss suitable next steps.
- No login required
- No obligation to proceed
- Human review on every enquiry
Prefer to talk?
Call 020 4652 7967