Adjust the sliders to see estimated monthly costs based on purchase price, deposit and loan term. No credit check is performed by using this calculator.
Indicative rate. Actual rates depend on your profile and lender.
These examples show realistic scenarios, not guaranteed outcomes. Every deal is different.
Purchase price: £180,000. Deposit: 25% (£45,000). Finance: £135,000 over five years at 8%.
Estimated monthly repayment: approximately £2,738.
An FM operations manager with 10 years' experience buying an ISO 9001 certified cleaning and planned maintenance company with 85% contracted recurring revenue across 12 commercial sites. 22 staff (mostly part-time cleaning operatives). Strong sector experience, clean credit, and a manageable deposit from savings.
Purchase price: £500,000. Deposit: 20% (£100,000). Senior debt: £340,000. Seller financing: £60,000 deferred over 24 months.
Estimated monthly repayment on senior debt: approximately £5,500 over seven years at 7%.
An existing FM business owner acquiring a regional competitor to expand geographic coverage. The target is ISO 9001, 14001, and 45001 triple certified with 3-year contracts across healthcare, education, and commercial sectors. 65 staff, TUPE applies on all major contracts. The buyer's track record of running a profitable FM business makes this a straightforward application.
Purchase price: £900,000. Deposit: 25% (£225,000). Senior debt: £500,000. Mezzanine: £175,000.
Estimated combined monthly repayment: approximately £11,500 to £13,500 depending on terms.
A senior FM director buying into a multi-service company with TFM contracts across NHS, local authority, and MoD sites. 120+ staff, established supply chain, CAFM system, 5-year contract book with 3+ year average remaining term. The blended structure uses senior debt for the bulk, mezzanine to bridge the gap, and the buyer's savings for the deposit.
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