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Motivaciju za izradu ovog rada pronašli smo u bankovnom sustavu gdje je već poznata metoda ocjene mogućnosti povrata kredita Times Interest Earned Ratio ( TIER ). Međutim takav pokazatelj ne daje informaciju poduzetniku koliki iznos kredita i pod kojim uvjetima može podignuti a da bi i dalje bio sposoban vratiti glavnicu i kamate. Odnos glavnica, vremena, kamata s jedne strane i profita s druge stavljen je u odnos i pri tome je napravljen program koji nam daje jedinstveni razultat uz dane uvjete., The motivation for this paper was found in a banking system where the method for evaluation of possibility of loan return is already known under the term Times Interest Earned Ratio (TIER). However, such indicator does not give the information to the entrepreneur on the amount and the conditions under which the loan can be taken, so that the company can be able to repay principal and interest. The ratio of principal, time and interest on one hand, and profit on the other, is put into relationship and a computer program has been created which gives us a unique breakdown under the given conditions.