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Business Loan Calculator

Calculate your business loan repayments in seconds — fast, free, and tailored for Australian businesses.
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Calculate Your Business Loan


Whether you’re a startup getting your first working-capital loan, an established business expanding, or refinancing existing debt, our easy-to-use calculator gives you a clear repayment estimate before you commit.

$5,000$1,000,000
1 year7 years
Payment Frequency
Weekly repayments*

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Total amounts

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Total interest

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*Estimate only and should not be relied on as true indication of your loan repayments, or a quote or indication of pre-qualification for any loan products. Based on loan amount and interest rate provided.

Get the numbers right before you borrow

There are certain aspects of running a business or growing a business that hinge on your financial decisions. Borrowing without comprehending its true cost can create cash-flow stress, derail growth, or burden your business with unexpected costs.

LoanCalculator.com.au is here to help. We are a trusted platform designed for business owners, offering transparent tools and comparisons backed by decades of asset-finance and lending experience. You can work out what repayments look like using our calculator, compare lender offers, and borrow with confidence.

Why use our business loan calculator?

  • Free and easy to use — no signup required Just plug in numbers and get an estimate instantly. No fuss or extra details required.
  • A clear repayment snapshot See your likely repayment amount based on loan size, interest rate, term, and repayment frequency — helping align with your business cash-flow.
  • Compare trusted Australian business lenders We compare offers across the market so you can see competitive rates, terms, and features side-by-side.
  • Tailored for business use Our calculator reflects common Australian business-loan modalities — including weekly, fortnightly, or monthly repayments, fixed and variable rates, secured vs unsecured loans.
  • Borrow more wisely By modelling different scenarios you can choose a loan amount and term you’re comfortable with, reducing the risk of over-borrowing or being locked into unfavourable terms.

How our business loan calculator works

We help you find the best deal on a business loan in 5 simple steps:

Step 1: Enter the loan amount

Start by entering how much you plan to borrow — whether it’s for equipment, working capital, expansion or refinancing existing debt.

Step 2: Set your interest rate

Input the interest rate you expect, or experiment with market-typical rates. Business loans in Australia vary widely depending on security, term, business profile and industry.

Step 3: Choose the loan term & repayment frequency

Select how long you intend to repay the loan (typically ranging from 1 to 7 years for many business loans) and how frequently you’ll make repayments (weekly, fortnightly, or monthly).

Step 4: View the results

The calculator instantly displays:
• Estimated repayment per payment period
• Approximate total interest cost over the term
• How changing length or frequency affects cost and repayments

Step 5: Compare lenders and apply

Once you’re comfortable with the estimate, use our comparison tool to review offers from qualified lenders, shortlist those that match your business, and then proceed to apply. Our goal: help you move from estimate to lender match quickly.

Understanding business loan options

Secured vs Unsecured business loans

Secured business loans mean you offer business assets, property, or equipment as collateral. Because the risk to the lender is lower, you may get more favourable interest rates or longer terms.

Unsecured business loans don’t require assets or a security or may rely on personal guarantees. These tend to carry higher interest rates and shorter terms but may be suitable for smaller or newer businesses.

Purpose of the loan

Business loans can fulfill many needs: working capital, equipment purchase, expansion, refinancing, or cash-flow support. The reason determines the terms, interest rate, and appropriateness.

Fixed vs Variable interest rates
The fixed-rate loans you take out lock your interest rate (and subsequent repayments) for the agreed term and provide budget certainty. Variable rates can vary over time, meaning repayments can rise or fall — a good thing if you’re counting on your business to grow fast or you are intending to repay early.

Loan term vs business cash-flow
A longer loan term reduces your regular repayments but increases total interest cost. A shorter term means higher weekly/monthly repayments but less total interest. It is also important to align term with your business’s cash flow and growth strategy.

How to save on your business loan

  • Borrow only what you need Avoid borrowing significantly more than you need — extra borrowed funds mean more interest and potentially longer repayments.
  • Choose a repayment frequency that suits your cash-flow If your business invoice cycle is weekly or fortnightly, aligning repayments to that cycle can help manage liquidity and reduce interest.
  • Consider making additional repayments (if allowed) If your business has seasonal surges or extra cash, making additional repayments early can reduce interest and shorten loan length — check for early-repayment penalties.
  • Improve your risk profile Having a good business credit history, stable cash-flow, clear purpose for funds and some security can help you negotiate better rates and terms.
  • Compare multiple lender options Just like consumer loans, business loan offers vary significantly. Use the comparison tool to review rate, term, fees and flexibility before you commit.

What influences your business loan interest rate and cost?

  • Business trading history & cash-flow — More established businesses with positive cash-flow usually get better terms.
  • Industry & risk profile: Some industries are higher risk (e.g., startups, seasonal trades) and may face higher rates. Conversely, health services may find getting funding quite easy.
  • Security offered or guarantee: Providing collateral or personal guarantee mitigates risk and may lower the rate.
  • Loan term & repayment frequency: Shorter terms or more frequent repayments can reduce total interest cost.
  • Fees & charges: Establishment fees, ongoing account-keeping fees and early payout penalties all add to the true cost of borrowing. You may be able to visualise this as a comparison rate.

Why do millions of Aussies trust us?

From instant calculations to trusted lender comparisons, we make it simple to find the right loan for your needs.

  • We are Australia’s dedicated comparison and calculator platform for business loans and asset finance.
  • Instant, independent repayment estimates - no obligation and no hidden sales pressure.
  • Transparent lender comparison - we showcase trusted business lenders with clear rate, term and fee structures.
  • Backed by decades of industry experience; we understand the business-loan landscape and advocate for responsible borrowing.
  • Soft credit check used so you can explore options: your credit score remains unaffected when you use our tool to estimate.

We’re here to help you make confident borrowing decisions based on transparency and real data—not guesswork.

Frequently asked questions

Find clear answers to the most frequently asked questions about business loans.

Loan amounts depend on your business size, trading history, cash flow, asset security and lender. Some lenders offer amounts from as low as $5,000 up to hundreds of thousands.
Terms generally range from 1 to 7 years for many standard business loans, though larger loans or secured facilities may extend longer.
Not always, but offering asset security or a personal guarantee improves your chances of approval and may lead to better interest rates. Unsecured options exist but are usually smaller amounts and higher rates.
Yes — many business loans allow bundling of establishment fees, equipment purchase and other costs into the loan, provided the total meets lender criteria. Always check the loan terms for eligible inclusions.
Yes — while invoice finance works differently from a traditional business loan, you can still use our calculator to estimate potential costs and repayments if your facility operates with fixed drawdowns or a set repayment term. Invoice finance (also known as debtor finance) allows you to access funds tied up in unpaid invoices, improving cash flow without taking on long-term debt. Some lenders charge a fee or percentage of the invoice value instead of interest, so it’s worth comparing both traditional loans and invoice finance to see which fits your business model best.
Equipment finance is specifically designed to fund the purchase of business assets like vehicles, machinery, or technology. The asset usually acts as security for the loan, which can result in lower interest rates compared to unsecured business loans. Repayments are fixed over a term (commonly 3–7 years), and depending on the structure — such as a chattel mortgage, lease, or hire purchase — you may be able to claim GST, depreciation, or interest deductions. Use our Business Loan Calculator to estimate repayments, then explore our dedicated Equipment Finance Calculator for a more tailored view of asset funding options.
Most lenders allow early repayment but may apply a break cost or early-payout fee. Review your loan contract carefully to understand early repayment implications.
Choosing repayment frequency to align with your business cycle helps. For example, if you have seasonal income, a longer term or less frequent repayments may ease cash-flow pressure — though it may increase total interest paid. Always use the calculator to test scenarios.

Get Started with Business Loan Today

Ready to explore your options? Compare business loans from over 40 Australian lenders in minutes. Check live rates, terms, and features, and use our free calculator to estimate repayments: best of all, there’s no sign-up required.
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