Planning tool
Cashflow Readiness Calculator for SME Funding
A simple planning page to help SME owners think through monthly repayment capacity before seeking funding.
Updated May 2026
How to use this tool
- 1Estimate average monthly revenue using recent actual records.
- 2Subtract fixed operating costs, payroll, rent, utilities, and existing commitments.
- 3Add a conservative buffer for slow collection or unexpected costs.
- 4Compare remaining cashflow against expected funding repayment.
- 5If repayment leaves no buffer, reduce the funding amount or extend preparation first.
Quick self-check
Tick what you already have. This score is educational only and does not predict approval.
Readiness score: 0%
Suggested next focus: Start by organizing basic records and clarifying your funding purpose.
Questions this helps answer
What is cashflow readiness?
It is your ability to show that the business can handle repayment while still covering normal operations.
Is this a financial advice calculator?
No. It is a planning guide. Confirm formal financing decisions with qualified professionals.
Make it actionable
RaiseReady turns checklist gaps into monthly funding preparation milestones for your business.
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