Finance Tools

Franchise Affordability Calculator

Discover your true buying power. Enter your available liquid capital and monthly expenses to see your maximum franchise investment and the opportunities that fit.

1

Choose your funding route

Self-funded, or with bank support towards the investment.

2

Enter your numbers

Your cash available now and what you need to live on each month.

3

See your matches

Franchises with a minimum investment within your budget.

£
Cash reserves you have available right now.
£
Your personal outgoings to maintain your lifestyle.
Max Franchise Investment —
Estimated Living Runway —

Understanding Your Buying Power

Buying a franchise involves more than just the initial fee. You need working capital to support yourself while the business grows. This tool helps you calculate your true investment capacity by factoring in your personal living expenses and potential bank funding.

Cash you can access straight away, such as savings and current account balances. It doesn't usually include money tied up in property or pensions.

If a lender funds part of the investment, your own capital acts as the deposit. With up to 70% funding your capital covers 30%, and with up to 50% funding it covers half. The amount any lender offers will depend on their own assessment.

An estimate of how many months you could cover your personal outgoings while the business gets going. We set aside 20% of your capital as a reserve and divide it by your monthly living expenses.

No. It's a guide to help you shortlist. Speak to the franchisor and an accountant or finance provider before making any decisions.

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