Tools/Cash Flow Loan Calculator
Cash Flow Loan Calculator
Size a loan against your monthly cash flows - see the EMI, total interest, and whether your inflows can carry it.
Loan Configuration
Save up to ₹2,12,281
Recur Club founders typically secure rates ~2.5% lower than market average. Indicative savings over full tenure.
Monthly EMI
₹3,63,650
Principal
₹75 Lakh
Total Interest
₹12.3 Lakh
125+ lenders. Termsheet in 48h. Zero equity dilution.
What is cash flow-based lending?
Cash flow loans are underwritten on your revenue and bank inflows rather than collateral. Lenders study your GST filings, banking data, and recurring revenue to size a loan your monthly cash flow can service - which is why they suit asset-light businesses that banks under-serve.
The golden rule: keep the EMI below 30-40% of your average monthly free cash flow. Use the calculator to test amounts and tenures until the EMI sits comfortably inside that band.
Explore Cash Flow FinancingWhat is a cash flow loan calculator?
A cash flow loan calculator shows the monthly EMI and total cost of a loan underwritten on your business cash flows. Because these loans are unsecured and revenue-based, getting the EMI-to-cash-flow ratio right is the single most important sizing decision.
How to use this cash flow loan calculator
- 1
Set the loan amount you want to test.
- 2
Set the interest rate - unsecured cash flow loans in India typically price at 12-20% p.a.
- 3
Pick a tenure - cash flow loans usually run 12-36 months.
- 4
Compare the EMI against your average monthly free cash flow - stay below 30-40% of it.
- 5
Unlock exact terms to see what 125+ lenders would offer on your actual banking and GST data.
Why cash flow loans suit modern businesses
No collateral
Underwritten on revenue quality, not property - ideal for services, SaaS, D2C, and asset-light models.
Fast sanction
Digital data (GST, banking, accounting) means days to sanction, not months.
Flexible structures
EMI, revenue-share, or seasonal repayment schedules that match how your cash actually flows.
Scales with revenue
As inflows grow, eligibility grows - reborrow without restarting the process.