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

Estimate repayments with our Business Loan Calculator. Compare finance options, tailor loan terms, and plan with confidence for your business growth.

Plant & Equipment Lease Calculator

Estimate repayments with our Plant & Equipment Lease Calculator. Factor in residual (balloon) payments, compare finance options, and choose flexible terms to suit your business.

Business Insurance Calculator

Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Business Loans Articles

Understanding Business Credit: A Guide for Australian Small Business Owners

Business credit is the credit profile of a business, separate from the personal credit history of its owner or directors. For small business owners, understanding how business credit works can help with borrowing decisions, supplier relationships and long-term financial planning. - read more

Avoid the Common Pitfalls: Expert Advice on Startup Loan Applications in Australia

Embarking on a startup journey is an exhilarating challenge that requires not just a brilliant idea, but a solid foundation of financial support to turn that idea into reality. Finding the right funding can be a make-or-break moment for many startups. Here, preparation is more than just a good practice; it's the backbone of any successful loan application. - read more

Finance News

Why Tax Debt Disclosure Now Matters for SME Borrowing

01 Aug 2026: Paige Estritori

Australian small businesses carrying overdue tax debt are facing a sharper finance challenge as the ATO continues to use debt disclosure powers where businesses do not engage early. While tax arrears have always been a cash flow concern, the bigger issue for borrowers is that eligible unpaid debts may be reported to credit reporting bureaus, making them visible to lenders assessing risk. - read more

Why ATO Interest Changes Matter for Small Business Finance

25 Jul 2026: Paige Estritori

Australian small businesses carrying tax debt face a sharper cash flow test as the after-tax cost of ATO interest becomes harder to absorb. From the 2025-26 income year, general interest charge and shortfall interest charge amounts incurred on tax debts are no longer deductible. For SMEs that have relied on payment plans as a temporary buffer, the change makes delayed tax payments more expensive in real terms. - read more

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