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

The Role of Debt Management in Small Business Cash Flow
The Role of Debt Management in Small Business Cash Flow
Cash flow refers to the movement of money into and out of a business. This includes revenues from sales, payments to suppliers, salaries, and other operational expenses. Effective cash flow management ensures that a business can meet its financial obligations and invest in growth opportunities. - read more
Top reasons why small business loans are denied and how to avoid them
Top reasons why small business loans are denied and how to avoid them
Small businesses often require loans to grow and expand their operations. However, not all loan applications are approved, and denials can be frustrating and demotivating for business owners. Understanding the reasons behind loan denials is critical to avoid making the same mistakes and increase the chances of future loan approvals. - read more

Finance News

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
What the Instant Asset Write-Off Means for SME Borrowing
What the Instant Asset Write-Off Means for SME Borrowing
08 Sep 2026: Paige Estritori
Australian small businesses are again watching the instant asset write-off closely, with the federal government seeking to keep the threshold available for eligible assets. For many SMEs, the measure can make planned investment in tools, vehicles, technology or machinery more attractive because the cost of qualifying assets may be deducted sooner rather than depreciated over several years. - read more
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Knowledgebase
Asset Allocation:
An investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance, and investment horizon.