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.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
%
Total amount to repay
$0.00
Your repayments
$NaN

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.

Compare Business Loan Offers

Get matched with the right business loan for your needs. Compare rates, terms and fees from 50+ 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.