Business Loan Repayment Calculator
Estimate repayments for business loans in Australia and see the real cash-flow impact before you apply. Model term loans (secured or unsecured) with principal + interest, then approximate revolving facilities like lines of credit or overdrafts using an assumed utilisation. Use it to compare scenarios, sanity-check affordability and choose a structure that suits your ABN — sole trader, company or trust.
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Calculate Business Loan Repayments
Enter your loan amount, annualised interest rate, term (commonly 12–84 months for term loans) and any fees to see weekly, fortnightly or monthly repayments. Results use standard amortisation (principal + interest) and include any fees you add for a clearer total cost. For revolving facilities (LOC/overdraft), approximate repayments by modelling your expected average balance; for factor-priced products (e.g., merchant cash advance), annualise the factor for apples-to-apples comparison. Results are indicative only and not a quote.
Balance over time
Monthly repayment schedule
Why use this business loan calculator?
Different business finance structures behave differently. Secured loans can be cheaper with longer terms; unsecured loans trade speed for cost; lines of credit and overdrafts charge interest on what you use, not the limit; invoice finance isn’t a loan at all. This calculator helps Australian SMEs compare total cost, shape repayments to their cash cycle, and decide whether a term loan, revolving facility or invoice finance is the right fit before requesting quotes from lenders.
What your scenarios reveal
Modelling realistic cases turns a ‘rate’ into a clear cash-flow plan. Small input changes (term, fees, frequency) can materially change affordability and lifetime cost.
Cash-flow fit
Test weekly, fortnightly and monthly schedules against wages, rent and GST to avoid crunch points.
Total cost clarity
See how term length and fees affect lifetime cost — not just the headline rate.
Rate sensitivity
Apply a ±1–2% buffer to check resilience if pricing shifts at approval.
Structure trade-offs
If repayments feel tight on an unsecured term loan, try secured, LOC or invoice finance to lower effective cost.
Decision confidence
Shortlist viable terms and structures before you invest time gathering documents.
Eligibility context (to read results sensibly)
This tool models repayments — it doesn’t approve credit. Lenders in Australia typically weigh these signals when pricing and deciding business finance.
Time trading & structure
12+ months trading with an ABN (and GST registration where applicable) broadens options; companies and trusts are common, many lenders also support sole traders.
Turnover, margins & stability
Revenue consistency and healthy gross margins support serviceability at the repayment you model.
Bank conduct
Fewer overdrafts, dishonours and end-of-day negatives in the last 90–180 days lifts approval odds.
Credit profile
Clean business and personal credit helps on both limit and price; disclose any blemishes early.
Security available (if secured)
Acceptable collateral (property, vehicles, equipment) and prudent LVR typically sharpen price and extend term.
ATO status
Up-to-date lodgements and transparent payment plans reduce perceived risk during credit checks.
Assumptions, pricing models and fees (read before you compare)
Focus on total cost and repayment reality, not just the rate. Business lenders use multiple pricing methods; this calculator helps you normalise them for fair comparison.
Fixed vs variable
Fixed gives certainty; variable can move with market changes. Model both if you’re rate-sensitive.
APR vs factor rate
Some providers quote a factor (e.g., 1.20×). Ask for the annualised equivalent so you can compare like-for-like here.
Revolving facility cost
Lines of credit/overdrafts charge interest on utilised balance plus a line/annual fee. Approximate by modelling your expected average balance.
Fees matter
Include establishment, monthly/annual service, direct-debit and any brokerage/lender fees — small fees move total cost more than tiny rate changes.
Early payout rules
Some contracts rebate interest; others charge break/exit fees. Check terms before planning an early payoff.
Comparison rates
Not always supplied for business credit; replicate the concept here by adding all known fees to your scenario.
What you can model here (and how to interpret it)
Pick the closest structure to your offer, then use the outputs to judge affordability and total cost.
Secured term loan
Lower rates and longer terms (24–84 months) using property, vehicles or equipment as security. Model as amortising term loan.
Unsecured term loan
Fast access without asset security; usually higher rates and shorter terms (6–36 months). Model as amortising term loan.
Business line of credit
Revolving limit; interest on the balance you actually use, plus line/annual fees. Approximate using your expected average utilisation.
Business overdraft
Overdraw your transaction account up to an approved limit; interest on utilised amount plus fees. Approximate by modelling your average drawn balance.
Equipment & vehicle finance
Asset-backed funding aligned to the asset’s life (balloon optional). Model as amortising term loan; balloon can be modelled at quote time.
Invoice finance
Not a loan; advance against receivables with fees/discount rates. Use when cash-flow gaps are invoice-driven.
Merchant cash advance
Advance repaid from card takings using a factor rate. Annualise factor to compare; treat calculator output as directional only.
From estimate to offer in four practical steps
Use the calculator to shortlist viable terms/structures, then move to quotes when the model fits your budget.
1) Add your details
Amount, annualised rate (or best estimate), term and all known fees. Toggle frequency to mirror your cash cycle.
2) Stress-test scenarios
Try shorter vs longer terms and a higher rate buffer to confirm resilience.
3) Reality-check serviceability
Lay repayments alongside payroll, rent, BAS/GST and seasonality. If tight, consider secured, LOC or invoice finance.
4) Request quotes
We benchmark 50+ Australian lenders and return suitable offers with transparent pricing and terms.
Documents that speed up approval
Clean, recent data helps lenders assess quickly and can improve pricing.
Identification
Driver licence and secondary ID for directors/owners; company/trust documents where relevant.
Bank statements
3–6 months business statements (CSV/PDF or secure bank feed) to evidence inflows and conduct.
BAS & financials
Recent BAS; P&L and balance sheet if requested; management accounts for current trading.
ATO portal status
Up-to-date lodgements; disclose any payment plans early to avoid delays.
Security details (if secured)
Asset invoice/specs/VIN or property details; clear title supports smoother approval.
Purpose & pipeline
Brief notes on use of funds and expected ROI/cash-flow impact help underwriters.
Pro tips to lower cost and lift approval odds
The right structure beats chasing tiny rate differences. These tactics often move the needle more.
Match term to asset life
Don’t outlive the asset or over-compress repayments — both hurt cash flow.
Right-size the facility
Borrow what you need based on a conservative forecast; improves approval and trims interest.
Compare structures, not just rates
If an unsecured term loan strains cash, a secured loan or LOC may reduce effective cost.
Mind the fees
Establishment, line and monthly fees add up. Include them in every scenario.
Clean bank conduct pre-apply
Minimise overdrafts and dishonours in the 60–90 days before application.
Business loan calculator FAQs
Does this calculator use APR or factor rates?
It models with an annualised APR-style rate. If you’ve been quoted a factor (e.g., 1.20×), ask for the annualised equivalent to compare fairly.
Can I model a line of credit or overdraft?
Yes — approximate by entering your expected average utilised balance and annualised rate, plus any line fees as ‘fees’.
Is this a quote or approval?
No. Results are indicative only. Actual pricing depends on turnover, time trading, bank conduct, credit and contract terms.
Can I include a balloon/residual for equipment?
This tool models standard amortisation. We’ll model balloons/residuals precisely when we prepare quotes.
Do comparison rates apply to business loans?
They’re not always provided. Replicate the concept here by adding all known fees so you’re comparing total cost, not just the rate.