Not if the borrowed money lifts contribution by more than the extra break-even units — that's the test before borrowing to grow.

No — it's a free illustration. Your actual Creditcorp offer depends on an assessment of your company.

Break-even with loan repayment calculator

How to use it

Enter your figures above — the result updates instantly and nothing leaves your browser. Results are illustrative, not a quote or credit decision.

How to interpret the result

The output shows how many units or sales you need before the business covers both its normal fixed costs and the new loan repayment. Treat this as a floor to plan around rather than a target to celebrate — it tells you where the business stops losing money on the repayment, not where it starts thriving. A useful habit is comparing the new break-even figure against your typical trading volume in a slower month as well as a stronger one, since a repayment that looks manageable against average sales can still bite hard if volume dips seasonally.

It's also worth reading the shift rather than just the new total. The gap between your break-even point without the loan and with it is effectively the extra output the borrowing demands from the business before any of it is genuinely yours again. If that gap is small relative to your normal sales swings, the repayment is likely to sit comfortably; if it's large, it's a sign to look harder at what the finance is actually funding and whether it should lift contribution per unit by a similar margin.

Limitations and good practice

This calculator works from a simple contribution model, so it assumes fixed costs and contribution per unit stay steady across the period — real trading rarely does, with prices, costs and product mix all shifting. Use it as a quick directional check before a funding decision, not as a substitute for a proper cash flow forecast that reflects your actual seasonality and cost structure.

Good practice is to re-run the figures periodically as your cost base changes, and to sense-check the result against your management accounts rather than relying on a single calculation done at application stage. It also pairs well with the business loan repayment calculator for the cost side, and the break-even calculator if you want to strip the loan back out and see your underlying break-even point on its own.