Small Business Finance 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.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

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Important!

Business Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Business Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

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Business Loans Articles

Building Better Business Credit: A Path to Improved Cash Flow

For small businesses, the facility to obtain credit can dramatically affect daily operations and long-term growth strategies. Managed wisely, it allows for the leverage needed in negotiations, and procuring investment opportunities, and can often mean the difference between stagnation and scaling new heights in the corporate landscape. - read more

Avoid the Common Pitfalls: Expert Advice on Startup Loan Applications in Australia

Embarking on a startup journey is an exhilarating challenge that requires not just a brilliant idea, but a solid foundation of financial support to turn that idea into reality. Finding the right funding can be a make-or-break moment for many startups. Here, preparation is more than just a good practice; it's the backbone of any successful loan application. - 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

Adjustable-Rate Mortgage (ARM):
A type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.

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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.