Small Business Finance :: Calculators

Small Business Finance Financial Calculators

Small Business Finance is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Business Loan Repayment Calculator
Explore potential business finance scenarios with our Business Loan Calculator. Test different borrowing amounts, interest rate assumptions and loan structures to see how various scenarios may influence your estimated repayments and overall finance costs.
Plant & Equipment Lease Calculator
Explore potential equipment leasing scenarios with our Plant & Equipment Lease Calculator. Test different lease amounts, residual (balloon) payments and repayment terms to estimate costs and see how varying finance assumptions may influence your business repayments and cash flow.
Business Insurance Calculator
Explore your business insurance needs with our Business Insurance Calculator. Use different cost assumptions and business scenarios to estimate potential insurable amounts and better understand the factors that may affect your calculations.

Calculator results are estimates based on the inputs and assumptions used and are provided for general information only. They are not quotes, offers, approvals, eligibility assessments or personalised recommendations. Actual costs and repayments may differ.


Business Loans Articles

Unveiling the Best Franchise Funding Strategies for Australian Entrepreneurs
Unveiling the Best Franchise Funding Strategies for Australian Entrepreneurs
Australia's franchise sector is a dynamic and significant element of the national economy, offering a myriad of opportunities for aspiring entrepreneurs. With an array of brands stretching from fast food to retail stores, the franchise landscape in Australia presents a viable path for business ownership under an established model. However, the success of a franchise operation is not solely based on choosing a recognizable brand; it also hinges on deploying the right financial strategies. - read more
Practical Tips for Maintaining a Healthy Cash Flow in Your Small Business
Practical Tips for Maintaining a Healthy Cash Flow in Your Small Business
Cash flow refers to the movement of money into and out of your business. It encompasses all the income your business earns from sales, payments from customers, and investments, as well as all the expenses for operational costs, salaries, and other expenditures. - read more

Finance News

ATO Credit Card Delay Buys Time, Not Certainty, for SMEs
ATO Credit Card Delay Buys Time, Not Certainty, for SMEs
03 Nov 2026: Paige Estritori
Australian small businesses that use credit cards to manage tax payment timing have been given extra breathing room, after the federal government confirmed the ATO will continue accepting credit card payments until 30 June 2027. The reprieve follows backlash over the ATO’s earlier plan to stop direct credit card payments after 30 November 2026, a change linked to the national card surcharge reforms that began on 1 October. - read more
Why Rising Debt Stress Should Prompt SMEs to Review Finance Early
Why Rising Debt Stress Should Prompt SMEs to Review Finance Early
15 Sep 2026: Paige Estritori
Fresh industry attention on small business debt stress is a timely reminder that borrowing pressure rarely appears overnight. For many Australian SMEs, the squeeze builds gradually: a slower sales month, higher supplier costs, delayed customer payments, tax instalments, payroll commitments and existing loan repayments all competing for the same working capital. - read more
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Knowledgebase
Balloon Payment.:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in the future.