Co.Credit - Borrowing Power Calculator

Calculate your trail book borrowing power

Use our calculator to instantly see how much you could access against your trail book. No credit check required.

Enter your details

Just enter your monthly trail income to see an estimate of your borrowing capacity.

Loan Purpose
Book Multiple 3.0x

* This calculator provides estimates only. Actual borrowing capacity depends on individual circumstances.

Estimated Book Value
$360,000
Monthly Trail $10,000
Annual Trail $120,000
Book Multiple 3.0x

You can access:

Acquisition Finance
$252,000
70% of book value

Ready to unlock your trail book's potential?

Get Started

Why brokers choose Co.Credit

We've built the fastest, most flexible trail book lending solution specifically for mortgage brokers.

Fast decisions

Get a decision within 24 hours. No waiting weeks for credit committees or lengthy paperwork.

No property security

Borrow against your trail book, not your home. Your trail income is your security.

Flexible terms

No minimum loan term. Pay out your facility whenever you're ready with no early exit penalties.

How it works

1

Apply online

Complete our simple online application in under 10 minutes. No financials required upfront.

2

Get approved

We'll assess your trail book and provide an offer within 24 hours.

3

Access funds

Once approved, funds are deposited directly to your account. Use them however you need.

Frequently asked questions

Your borrowing capacity depends on your monthly trail income and the purpose of the loan. For acquisitions, you can typically access up to 70% of your book value. For working capital, you can access up to 50%. Use the calculator above to get an estimate based on your trail income.

The book multiple is used to estimate the value of your trail book. It typically ranges from 2x to 3.5x your annual trail income, depending on factors like the quality of your loan book, lender mix, and historical runoff rates. The default of 3x is a common industry benchmark.

Most applications receive a decision within 24 hours. Our automated systems analyse your trail book data to provide fast, accurate assessments without the need for lengthy manual reviews.

No. Unlike traditional business loans, Co.Credit loans are secured against your trail book income, not property. This means you don't need to put your home or investment properties at risk to access funding.

You can use your funds for acquiring another broker's trail book, business expansion, hiring staff, marketing, technology upgrades, or general working capital. The choice is yours.

Ready to unlock your trail book's potential?

Join hundreds of brokers who've used Co.Credit to grow their business. Apply online in under 10 minutes.

Get Started Now

Email us

hello@cocredit.com.au

Call us

1300 112 999

Our office address

55 Collins St,
Melbourne VIC.