Free tools to help you understand your borrowing power, ATO debt and finance costs before you talk to a lender.
Answer 11 quick questions and see a red, amber or green match against the amount you need. Your ABN is checked against the Australian Business Register.
Check your match → TaxSee what your ATO debt is costing you each day at the ATO’s current interest rate, the tax deduction you’ve lost since July 2025, and a payment plan compared with a business loan.
Calculate your ATO debt cost → TransportStamp duty, drive-away cost and GST credit on a truck, bus, ute or van, with the duty compared across every state and territory.
Calculate stamp duty → TransportWork out the fuel tax credits your heavy vehicles and equipment can claim on your BAS, using the current ATO rates.
Calculate fuel tax credits → TransportFind your break-even cost per km and the rate to charge for a prime mover, rigid truck or bus, including finance, wages, fuel and tyres.
Calculate cost per km → Commercial propertyHow much you could borrow for a warehouse, depot, office or shop, based on LVR and your rent or business profit, plus the cash you’ll need to settle.
Calculate borrowing power → Commercial propertyGross and net yield, cash flow after repayments, cash-on-cash return and the interest cover lenders test on a commercial investment.
Calculate yield → Commercial propertySee what a commercial property could make if you sell in 3, 5 or 10 years as the RBA cash rate and yields move. Bond-pricing maths, Bollinger bands and the live yield curve.
Run the scenarios → Commercial propertyCompare renting your depot, yard or warehouse with buying it, including stamp duty, repayments, owner’s costs and the equity you build.
Compare buy vs lease → Property developmentEnter your GRV and costs to see the construction loan, equity needed, LVR, loan to cost, profit on cost and return on equity, with a full funding table.
Run your feasibility →Calculators give general information and indicative estimates only. They aren’t financial, tax or credit advice, or an offer of credit. Factor Capital is a trading name of Zinc Finance Pty Ltd (ABN 90 668 675 965). Factor Capital arranges finance for business and commercial purposes only. It does not provide credit assistance for consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth), including home loans and personal loans.
