Business Loan Calculator
Estimate a business term-loan repayment and see how rate, term and fees affect total cost.
- Free to use with no signup
- No impact on your credit score
- Clear estimates you can adjust
Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker
Last reviewed 24 August 2026 · About Corey
Important information
General estimate only, not a quote or approval. Business loan pricing, fees and repayment structures vary by lender, applicant, purpose and security.
Detailed assumptions and limitations
- The calculation uses level principal-and-interest repayments and no balloon or interest-only period.
- The establishment fee is treated as financed and the monthly fee is added to every repayment.
- Weekly and fortnightly results are monthly equivalents and may differ from an actual lender schedule.
- Tax, GST, deductibility and the commercial return from using the funds are excluded.
FAQ
What will the funding cost?
Test the repayment against cashflow, then compare real lender structures.
It provides a simple principal-and-interest estimate for term loans. Lines of credit, invoice finance and interest-only facilities work differently.
Yes, if you enter them. The establishment fee is modelled as financed and the monthly account fee is added to repayments.
No. A lender still assesses business performance, conduct, liabilities, purpose, security and its own serviceability rules.
Both. A longer term may protect monthly cashflow but usually increases total interest and fees.
Compare unsecured business loans, secured loans and lines of credit.
Genuine settled outcomes
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