Calculator · loan repayment
Run the loan numbers.
Set amount, rate, and term. Monthly repayment, total interest, and total cost of credit recalculate live.
Inputs and result
Standard amortising-loan maths.
Use this for unsecured business loans, secured commercial term loans, and equipment finance without a balloon. For chattel mortgage with a balloon, use the equipment-finance calculator instead.
Typical commercial unsecured: $5K to $500K. Secured commercial: up to several million.
Bank-secured 5 to 9%. Specialist non-bank 9 to 14%. Unsecured 12 to 28%. Caveat 14 to 25%.
Working capital 6 to 36 months. Asset finance 1 to 7 years. Commercial property 15 to 25 years.
Indicative result
- Monthly repayment$4,982.15
- Total interest paid$29,357
- Total cost of credit$179,357
- Effective annual rate12.00% p.a.
Indicative only. Real lender pricing depends on your business profile, security, and the specific lender. Fees and ongoing charges are not modelled here; we factor them in when comparing real offers.
How to read this
Indicative ranges to anchor against.
Bank-secured commercial term loans currently price 5 to 9% p.a. depending on security, lender, and your business profile. Specialist non-bank commercial sits 9 to 14% on similar security with looser policy. Unsecured business loans run 12 to 28% effective. Short-term private credit (caveat, bridging) runs 14 to 25% plus establishment fees, and is rarely the right choice unless time matters more than cost.
The calculator above is plain amortising-loan maths: principal, rate, term, monthly P&I. It doesn't model establishment fees, ongoing fees, early-payout treatments, or balloon payments. When we compare real offers we factor those in; the calculator is a pre-conversation anchor, not a loan offer.
Once the numbers anchor
Twenty-minute brief on the actual deal.
Walk us through the situation. We'll come back with two or three lender offers tuned to your profile, with the all-in cost modelled honestly.