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

Unlock Growth with Smart Leasing: A Small Business Owner's Guide

Every small business owner knows that having the right equipment is crucial for success. Whether it's the latest tech for your IT company or heavy machinery for construction, equipment can propel your business to new heights. But, for many Australian entrepreneurs, the upfront cost of these tools can be a major hurdle. - read more

Unlocking Capital: Essential Tips for Securing Startup Financing in Australia

Starting a business is a formidable venture, and securing the necessary capital to transform a vision into reality is often one of the first major hurdles that Australian entrepreneurs face. With a myriad of financing options available, it is essential to navigate the startup financing landscape in Australia with a keen understanding of not only the opportunities but also the challenges it presents. - read more

Finance News

Non-Bank Lenders Escalate Court Actions as SME Insolvencies Surge

22 Jan 2026: Paige Estritori

Recent data indicates a significant shift in the enforcement landscape affecting Australian small and medium-sized enterprises (SMEs). Non-bank lenders have markedly increased their court-based recovery actions, coinciding with a rise in SME insolvencies. This trend emerges as major banks reduce their enforcement activities, highlighting a changing dynamic in creditor behaviour. - read more

Australian SMEs Reduce Borrowing Amid Interest Rate Uncertainty

22 Jan 2026: Paige Estritori

In the final quarter of 2025, Australian small and medium-sized enterprises (SMEs) exhibited a cautious approach to borrowing, influenced by ongoing uncertainty surrounding inflation and interest rates. This trend reflects a broader hesitancy among businesses to commit to new financing amid an unpredictable economic environment. - read more

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Knowledgebase

Conventional Loan:
A type of mortgage loan that is not insured or guaranteed by the government.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.