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

Business loan interest rates, fees and repayment costs explained
Business loan interest rates, fees and repayment costs explained
Business loan costs are shaped by more than the advertised interest rate. Learn how rates, fees, repayment frequency and loan structure affect the total cost of business finance in Australia. - read more
Building Better Business Credit to Support Small Business Cash Flow
Building Better Business Credit to Support Small Business Cash Flow
Business credit can influence how a small business accesses finance, negotiates with suppliers and manages cash flow pressure. This guide explains how business credit works, why it matters and the practical habits that can help support a stronger credit profile over time. - 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
Bond:
A fixed-income investment in which an investor loans money to an entity that borrows the funds for a defined period at a variable or fixed interest rate.