Free Business Tool

Business Debt Calculator

Get instant analysis of your business debt situation. Calculate debt-to-income ratios, assess insolvency risk, and receive expert recommendations for financial recovery.

Instant Analysis

Get immediate debt-to-income ratios and financial health scores

Risk Assessment

Identify insolvency risks before they become critical

Expert Advice

Receive tailored recommendations for your situation

Debt Calculator

Enter your business financial details

Your Results Will Appear Here

Fill out the form on the left to get your instant debt analysis and personalized recommendations.

How Our Debt Calculator Works

Our calculator analyzes multiple financial ratios to give you a comprehensive view of your business debt situation

Debt-to-Income Ratio

Compares your total debt to annual revenue. Lower is better.

Healthy: Under 30%
Caution: 30-50%
Danger: Over 50%

Net Cash Flow

Money left after expenses and debt payments. Must be positive.

Healthy: Positive
Caution: Break-even
Danger: Negative

Debt-to-Asset Ratio

Shows how much of your assets are financed by debt.

Healthy: Under 40%
Caution: 40-60%
Danger: Over 60%

Debt Service Ratio

Percentage of revenue used for debt payments.

Healthy: Under 20%
Caution: 20-35%
Danger: Over 35%

Risk Level Indicators

LOW RISK

Healthy Business

Strong financial position with manageable debt levels and positive cash flow.

MODERATE RISK

Needs Monitoring

Debt levels require careful management and regular monitoring.

HIGH RISK

Immediate Action

Significant financial stress requiring immediate professional attention.

CRITICAL RISK

Urgent Help Needed

Business in financial distress requiring urgent insolvency advice.

Need Professional Help With Your Debt Situation?

Don't let debt problems escalate. Our experienced insolvency practitioners provide confidential advice and practical solutions tailored to your business needs.

Free Consultation

No obligation initial assessment

Confidential Advice

Discreet professional guidance

Immediate Action

Same-day response available

Book Free Consultation
Call: 01484 861406

Trusted by businesses across Yorkshire for over 20 years

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Industry Experts