About the Debt Capacity Calculator
Last reviewed: November 2026
The Debt Capacity Calculator is a free online tool that gives UK businesses an indicative estimate of how much debt finance they could raise, with a breakdown by facility type. It is provided by Apex Aspire Limited (company number 16387803).
Who provides the calculator
Apex Aspire Limited is a UK-based company that builds tools to help businesses interpret their financial data. Its company number is 16387803, and you can view its record on the Companies House register. More about the company is at apexaspire.co.uk.
How the estimates are produced
The calculator sizes four asset-based facilities (commercial mortgage, invoice discounting, hire purchase and stock finance) against your balance sheet. It then sizes amortising and bullet term loans against the after-tax operating profit left once those facilities are serviced. It uses standard market assumptions, which you can review and change inside the calculator. The methodology page explains each step and the limits of the estimate.
Results are indicative and for information only. They are not financial advice, an offer of finance or a guarantee that any lender will lend.
What happens after you submit a calculation
A member of our team will review your results and contact you to discuss them in more detail. This is a free, no-obligation conversation to help you understand your results. How we use your details is set out in our Privacy Policy.
Contact
Email admin@apexaspire.co.uk with questions about the calculator, your results or your data.
Estimate your own debt capacity
The calculator is free and gives an indicative estimate, not financial advice or an offer of finance.
Start your free calculation