Business Loan Calculator Australia
This business loan calculator provides an indicative simple-interest comparison using figures you enter. It is not a quote, approval, repayment schedule or financial advice, and actual lender calculations, compounding, fees, timing and conditions may differ.
Estimate simple interest and fees
Estimated simple interest: $12,000
Indicative total cost including entered fees: $12,000
Indicative principal plus cost: $112,000
Educational estimate only. It uses simple interest and does not model lender-specific calculations, compounding, progressive balances, legal or valuation costs, default charges or approval.
How to use the calculator
Enter a proposed loan amount, annual interest rate, term and known upfront fees. The estimate helps you compare scenarios on a consistent basis. Use figures from a written offer where possible rather than relying on an advertised example.
What the estimate includes
The tool estimates simple interest for the selected number of months, adds the fee amount you enter and displays an indicative total. It does not model compounding, progressive drawdowns, daily interest timing, legal or valuation costs, default charges, early repayment rules or lender-specific methods.
What to compare between offers
Check total expected cost, term, repayment timing, all applicable fees, security, guarantees, default consequences and extension conditions. A lower rate can still produce a higher total cost if fees or the term differ.
Why an exit strategy matters
For short-term secured finance, the planned repayment event is central. Consider what happens if a refinance, sale, settlement or incoming payment is delayed, and whether the business can carry the loan for longer than expected.
Get transaction-specific figures
Only the lender's written offer and loan documents can confirm the pricing and obligations for a proposed facility. Ask questions about anything unclear and obtain independent advice where appropriate before proceeding.
Related business loan guides
- Business Loan Interest Rates and Fees
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- Quick Business Loans Australia Guide
- Business Finance
- /contact-us/
Related questions
Is this business loan calculator a quote?
No. It is an educational comparison tool using the inputs you provide. It does not represent approval, an offer or the lender's actual calculation method.
Does the calculator include every business loan fee?
No. It includes only the fee amount entered. Actual loans may involve other fees or costs stated in the written offer and loan documents.
Why might actual interest differ?
Lenders may calculate interest daily, monthly, in advance, with compounding or using another method, and the amount outstanding can change during the term.