Hospitality finance calculators
Six tools that model the numbers behind a hospitality deal, from sizing the loan and testing debt service cover to break-even occupancy and going-concern value. Indicative only, and never an offer of finance.
Hospitality property is financed on the trade as much as the bricks, so the figures that matter are the ones that connect a trading income to the debt it can carry. These calculators run those figures, from sizing a loan and testing debt service cover to finding a hotel's break-even occupancy and capitalising fair maintainable trade into a going-concern value. They run entirely in your browser, update as you type, and store nothing. Use them to pressure-test a deal before you bring it to us, then send us the property and the accounts and we will tell you what is fundable and how best to structure it.
Loan sizing calculator
Size the maximum loan against value, total cost and end value, and see which cap binds on a hospitality deal.
Open calculator → ICR / DSCRDebt yield and DSCR calculator
Test a loan against a trading income: debt yield, interest cover and debt service cover on the operating business.
Open calculator → Cover the debtBreak-even occupancy and ADR calculator
Find the occupancy and ADR a hotel needs to cover its fixed costs and debt service, with the RevPAR and headroom at break-even.
Open calculator → Value createdRefurbishment value uplift calculator
Weigh the cost of works against the uplift in a trading property's going-concern value, with the net value created and the return on spend.
Open calculator → Cost of financeBridge cost and rolled interest calculator
Work out arrangement fee, rolled or serviced interest, gross loan and the effective cost of a short-term bridge.
Open calculator → Yield capitalisationGoing-concern value calculator
Capitalise fair maintainable operating profit at a yield to estimate the going-concern value of a trading property.
Open calculator →From a working number to a fundable deal
Run the calculators, then send us the property and the trading accounts. We model the structure across our lender panel and place the facility that fits.