Free tool

CAC payback calculator

Enter your alt-lender unit economics → see LTV, LTV/CAC ratio, payback period, and how a daily borrower-intent feed changes the math. No signup.

Your numbers

£
Median UK unsecured working capital: £25k–£75k
%
Q2 2026 UK median: 16% for £50k unsecured
months
%
Funding cost + expected credit loss. UK fintech median ~9%
£
Sector median: £280–£600. See by channel →
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UK fintech cohort median: 2.0–2.5 facilities / 5 years
About this calculator. All numbers are illustrative and not financial advice. Year-1 revenue is APR × facility × term / 12, minus cost of capital × facility × term / 12. LTV multiplies by expected facility count discounted at the cost of capital. For a more precise model, layer in your actual portfolio churn curve and risk-cost segmentation.