Small Business Finance Business Loan Repayment Calculator

Our Business Loan Repayment Calculator helps you estimate business loan repayments, compare finance options and understand the true cost of borrowing before you commit. It is important because small changes to your loan amount, interest rate, term or balloon payment can materially change cash flow, total interest and end-of-term obligations. This calculator provides an indicative estimate only and is designed to support planning and budgeting for business growth.

How to complete each section for the best result:

1. Loan Amount

Enter the amount you expect to borrow as a whole number (no dots or commas). Include any costs you plan to capitalise into the loan, such as stamp duty, registration, insurance or other applicable fees, so the estimate reflects your real financed amount.

2. Balloon or Residual Payment (optional)

Select a residual as a percentage of the purchase price. A higher residual usually reduces ongoing repayments, but increases the amount due at the end and can increase total interest over the term. Choose a residual only if you have a realistic plan to refinance, pay it out, or sell an asset to meet the final amount.

3. Term of Loan

Select the number of years you want to repay the loan. A longer term generally lowers periodic repayments but increases total interest paid. A shorter term can reduce total cost but may place pressure on cash flow.

4. Interest Rate

Select an indicative annual interest rate to run a scenario. Your actual rate depends on lender assessment and your business circumstances, so consider testing multiple rates to stress-test affordability.

How to interpret the results:

1. Repayment estimate

Use the repayment figure as a budgeting guide for regular cash flow planning. If you selected a residual, remember the final payout is additional to the periodic repayments.

2. Amortisation charts

Review the reducing loan balance over time and the split between interest and principal. Early repayments typically include a higher interest component, with principal reduction accelerating later.

General information only, not personal financial advice. It does not consider your objectives, financial situation or needs. Consider the loan contract, fees, repayment frequency, and whether the repayments remain affordable under higher rates or lower revenue, and seek professional advice if required.