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Equity vs. Debt:
Cost of Capital Calculator
Should you borrow or sell shares? Compare the true 5-year cost of a business loan (Interest) versus selling equity (Lost Profits) to make the smartest financial decision.
Financial Projections
Input your funding needs and forecast.
Projected average net profit per year.
5-Year Cost Comparison
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Total Interest & Fees
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Profit Share Given Away
Beyond the Numbers
The "Real" Cost of Your Decision
Control & Autonomy
Debt: You retain 100% control. The bank doesn't vote.
Equity: Investors get voting rights and a say in major decisions.
Risk Profile
Debt: Must be repaid regardless of revenue. High monthly cash flow pressure.
Equity: No monthly repayment. Risk is shared if the business fails.
Strategic Value
Debt: Just money. Transactional relationship.
Equity: "Smart Money." Investors often bring networks, mentorship, and experience.
Need Capital Without Losing Equity?
If the numbers show that debt is cheaper than selling your shares, start your application for a fixed-term business loan today.
View Debt Options