Payback maths
Payback maths: will it pay for itself?
The numbers that decide whether borrowing to grow is a boost or a burden — explained with worked examples you can copy for your own plan.
ROI on borrowed money
How to work out the return on a business loan for growth: the simple formula, a worked example and the three numbers that decide whether it pays off.
Read more →Payback period
How to calculate the payback period on a growth investment, why ramp-up changes the answer, and how to match your loan term to the month it pays for itself.
Read more →Total cost of finance
Work out the total cost of a business loan in dollars — interest, fees and charges over the full term — and use it to compare growth funding offers fairly.
Read more →Gross margin and growth
Gross margin vs markup explained for growth planning: how to calculate each, why mixing them up wrecks payback maths, and how to find your margin on new work.
Read more →Acquisition cost and lifetime value
Customer acquisition cost and lifetime value explained for Australian small businesses: formulas, a worked example and how both decide if marketing pays back.
Read more →New hire break-even
When does a new employee pay for themselves? Work out a hire's full cost, the gross profit they unlock and their break-even month, with a worked example.
Read more →Ramp-up time
Every growth move has a slow start. How to estimate the ramp-up period, model the cash gap it creates, and fund it so the business isn't squeezed early on.
Read more →Stress-testing your plan
How to stress-test a growth plan before borrowing: five what-ifs to run, how to read the results, and how to change the plan so it survives a bad run.
Read more →Borrow now or save up?
Borrow to grow now, or save up and pay cash later? How to compare the cost of finance with the profit you'd miss while waiting, with a worked example.
Read more →Run the numbers first
Will your move pay for itself?
Weigh the total cost of finance against the extra gross profit your growth move should earn, and see the month it pays for itself. Or take the eight-question readiness check.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your plan