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 or lenders after you submit an enquiry.

Business Loans Articles

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

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

Cash Flow Crunch: How Rising Costs Are Impacting Australian SMEs

18 Oct 2025: Paige Estritori

Australian small and medium-sized enterprises (SMEs) are currently navigating a challenging financial landscape marked by escalating operational costs and constrained access to external financing. This environment has compelled a significant number of business owners to inject personal funds into their ventures to maintain liquidity and sustain operations. - read more

Funding Divide: Tech Startups Thrive as Traditional SMEs Struggle

18 Oct 2025: Paige Estritori

The Australian business financing landscape is experiencing a pronounced divergence. On one hand, technology startups are attracting substantial venture capital investments, while on the other, traditional small and medium-sized enterprises (SMEs) are encountering increasingly restrictive lending conditions. - read more

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Knowledgebase

Option:
A financial derivative that gives the buyer the right, but not the obligation, to buy or sell an asset at a specified price on or before a specified date.

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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.