2 min read
Fixed charge cover = (EBIT + lease) / (interest + lease). A stricter affordability test that includes leases, not just interest.
How to use it
Enter your figures above — the result updates instantly and nothing leaves your browser. Results are illustrative, not a quote or credit decision.
Frequently asked questions
Why include leases?
Leases are committed fixed payments just like interest, so lenders increasingly look at fixed charge cover for a fuller affordability picture.
Is this a quote?
No — it's a free illustration. Your actual Credicorp offer depends on an assessment of your company.
Related reading

Dividend cover calculator
Whether profits comfortably cover the dividends you pay out.
Read →
Loan affordability (debt service cover) calculator
How comfortably your cash flow covers loan repayments — the ratio lenders use to gauge affordability.
Read →
Interest cover calculator
How comfortably your operating profit covers interest payments.
Read →
Stock cover (days) calculator
How many days of sales your current stock would cover.
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.