BlueLedger Bank — Budget & repayment simulation11.10.2026 16:44

Budget simulator

Show the bank your capacity to repay: model revenue, costs and loan payments, then stress-test the plan.

Loan & funding

Loan amount

NOK

Interest rate

% p.a.

Loan term

months

Interest-only period

months

Owner equity (own cash)

NOK

Start-up costs / capex

NOK

Depreciation period

years

Revenue

Revenue in month 1

NOK

Monthly growth, year 1

Monthly growth after year 1

Cost of goods sold

% rev

Marketing

% rev

Monthly operating budget

Rent, utilities, insurance

NOK

Salaries incl. social costs

NOK

Other overheads

NOK

Owner's drawings

NOK

Corporate tax rate

Projection horizon

months

Stress test Revenue change0 Operating cost change0 Interest rate change (pp)0

Cash balance & debt service by month

Annual revenue vs. costs

Debt service coverage (DSCR) by year

Profit & loss and cash flow forecast

Monthly budget

Amortisation schedule

Scenario comparison

Banks test whether the loan is still repaid if things go worse than planned. A resilient plan keeps DSCR ≥ 1.25x in the pessimistic case.

Assumptions

DSCR = (EBITDA − tax − owner's drawings) ÷ (interest + principal). Policy minimum 1.25x. Generated by BlueLedger Startup Loans.