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LTV = loan ÷ asset value. Lower LTV means more of your own equity in the asset and usually better borrowing terms.
How to use it
Enter the amount you want to borrow and the value of the asset securing it. The loan-to-value shows how much of the asset the debt represents — and, by extension, how much equity you hold in it.
Lenders price risk off LTV: the lower it is, the more cushion they have if they ever need to recover, so rates and approval odds improve. Pushing LTV high can unlock more cash but narrows your options and costs more.
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Frequently asked questions
What LTV will lenders accept?
It depends on the asset and lender, but many asset-backed facilities sit around 70–80%. Property can go higher; specialist or fast-depreciating assets lower. A lower LTV almost always gets a better rate.
Does a lower LTV get me a cheaper loan?
Usually yes. More equity in the asset means less risk for the lender, which tends to translate into a lower rate and smoother approval. It's often worth putting a bit more down.
Is this a quote?
No — it's a free illustration. Your actual Credicorp offer depends on an assessment of your company.
Related reading
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.