Business Loan, Funding & Finance Calculator — Estimate Rates & Repayments
One calculator covering every angle — whether you call it a business loan calculator, business funding calculator or business finance calculator, the maths is the same. Use the sliders below to see monthly repayments, total interest, arrangement fees and an indicative early settlement figure in seconds.
As an FCA-authorised business finance broker with access to a specialist UK lender panel, we go beyond the estimate — finding the actual best deal for your trading profile, cash flow and timescale.
The short answer
This calculator estimates the monthly repayment and total cost of a UK business loan from the amount, term and interest rate you enter. It is an illustration, not a quote: your actual rate depends on the lender, your trading history, security and credit profile. Fees such as arrangement or documentation charges are set by the lender and are not included unless you add them.
- Amounts
- Model £5,000 to £500,000 in £5,000 increments
- Terms
- 3 to 72 months
- Rate range
- Monthly rates from 0.5% to 7.5% to reflect prime through to specialist lending
- What it shows
- Monthly repayment, total interest and total repayable
- Early settlement
- Early settlement can reduce the total cost of borrowing if utilised
- Next step
- A soft-search application gives real figures from lenders with no impact on your credit score
Last reviewed: 25 August 2026 by the SME Finance Hub broking team. Editorial policy
Customize your funding requirements
Example funding scenarios
Your Funding Breakdown
Settle early, halfway through
See what settling after 6 months would cost.
This calculation shows estimated costs based on your selections. Actual rates may vary based on your business profile and credit assessment.
Priced on a factor rate instead?
Short-term facilities and card-income funding are not quoted as interest rates. Use our factor rate calculator for fixed-cost short-term finance, or the merchant cash advance calculator to project repayments from your card takings.
Important Note
This calculator provides estimates only. Actual rates depend on your business circumstances, trading history, and the lender's assessment. Contact us for an accurate quote tailored to your situation.
Business Funding Calculator
Looking at this as a business funding calculator? The tool above models every common funding type — unsecured loans, merchant cash advances, invoice finance and asset finance — so you can compare the true cost of each route before committing. Funding decisions hinge on cash flow, not headline rates, and our brokers translate the numbers into a plain-English recommendation.
Business Finance Calculator
Used as a business finance calculator, the estimator covers terms from 3 to 72 months and amounts from £5,000 to £500,000+. Adjust the slider to see how term length affects monthly cost vs total interest — a critical trade-off most high-street bank calculators don't show you.
Why use our calculator instead of a bank's?
A bank calculator only models one product from one lender. Ours reflects the actual UK funding market — a specialist lender panel, every product type, real-world acceptance criteria.
A High-Street Bank Calculator
- Shows only that bank's products
- Hidden arrangement fees not shown
- No factor rate or MCA modelling
- Often requires 2+ years trading & strong credit
- 5–15 working days to a decision
SME Finance Hub Calculator
- Compares a specialist UK lender panel
- Arrangement fees built into the estimate
- Models interest, arrangement fees and early settlement
- Works from 6 months trading & £120k+ turnover
- Same-day funding decisions available
Factor Rates vs Interest Rates
Many alternative lenders use factor rates instead of traditional interest rates. Here's how they work.
Interest Rate
Traditional method where interest is calculated on the outstanding balance. As you repay, the interest portion decreases.
- Interest reduces as you repay
- Early repayment usually reduces cost
- Common for traditional bank loans
Factor Rate
A simple multiplier applied to the loan amount. Multiply your borrowing by the factor rate to see your total repayment.
- Easy to calculate total cost
- Fixed total repayment amount
- Common for merchant cash advances
Factor Rate Examples
| Factor Rate | Amount Borrowed | Total to Repay | Typical Scenario |
|---|---|---|---|
| 1.15 | £10,000 | £11,500 | Low risk / established business |
| 1.25 | £10,000 | £12,500 | Standard business loan |
| 1.35 | £10,000 | £13,500 | Higher risk / shorter trading history |
Business loan repayments at a glance
The tables below show indicative monthly repayments and total repayable on an amortising business loan at a representative rate of 1.2% per month (roughly 15.4% per year nominal), before any arrangement fee. Use them as a sanity check against any quote you receive.
How much is a £10,000 business loan per month?
| Term | Monthly repayment | Total repayable |
|---|---|---|
| 12 months | £900 | £10,797 |
| 24 months | £482 | £11,568 |
| 36 months | £344 | £12,374 |
| 60 months | £235 | £14,086 |
How much is a £25,000 business loan per month?
| Term | Monthly repayment | Total repayable |
|---|---|---|
| 12 months | £2,249 | £26,993 |
| 24 months | £1,205 | £28,921 |
| 36 months | £859 | £30,935 |
| 60 months | £587 | £35,214 |
How much is a £50,000 business loan per month?
| Term | Monthly repayment | Total repayable |
|---|---|---|
| 12 months | £4,499 | £53,985 |
| 24 months | £2,410 | £57,842 |
| 36 months | £1,719 | £61,870 |
| 60 months | £1,174 | £70,428 |
How much is a £100,000 business loan per month?
| Term | Monthly repayment | Total repayable |
|---|---|---|
| 12 months | £8,998 | £107,971 |
| 24 months | £4,820 | £115,685 |
| 36 months | £3,437 | £123,740 |
| 60 months | £2,348 | £140,857 |
Illustrations only. Your rate depends on trading history, turnover, sector and security. Rates on unsecured business loans differ from asset funding or invoice finance, and short-term products such as VAT funding or same-day business funding are usually priced on a fixed total cost rather than a monthly rate.
Worked example: £25,000 over 24 months
A limited company borrows £25,000 over 24 months at 1.2% per month on a reducing balance, with a 3% arrangement fee (£750) deducted at drawdown. The monthly repayment is £1,205.05, so the total repaid over the full term is £28,921. Interest is £3,921 and the total cost of borrowing, including the fee, is £4,671 — around £7.79 per £1,000 borrowed, per month.
Settling at the halfway point changes the picture. After 12 payments the outstanding balance is £13,393. With a lender that rebates unearned interest the company pays £27,854 in total instead of £29,671 — a saving of roughly £1,817. With a non-rebating lender the full agreed cost stays payable, and settling early saves nothing.
How the calculation works
Interest-rate mode uses the standard amortisation formula: the monthly repayment equals the loan amount multiplied by the monthly rate, multiplied by (1 + rate) raised to the number of months, divided by (1 + rate) to the power of months minus one. Interest is charged only on the balance still outstanding, so the interest share of each payment falls over the term.
Factor-rate mode is simpler: the total repayable is the amount borrowed multiplied by the factor. A £50,000 advance at 1.25 repays £62,500 regardless of term, so a shorter term makes the equivalent APR dramatically higher.
Merchant cash advance mode divides the total repayable by your monthly card turnover multiplied by the agreed holdback percentage, giving the estimated repayment period. See card terminal loans for how these facilities work in practice.
For independent, non-commercial guidance on comparing business funding costs, the British Business Bank publishes free explainers on the finance options available to smaller UK businesses.
The calculator is a guide. Expert broker advice is where you save money.
A loan calculator gives you a useful estimate, but the real cost of business finance comes down to four things lenders rarely make obvious. This is where 7 specialists and access to a specialist lender panel earns its keep.
The hidden cost of "no fee" loans
A loan with no upfront arrangement fee often locks you into the full interest term with no early-settlement saving. A loan with a 2–4% fee may let you settle early and save thousands. The right choice depends entirely on your cash flow forecast — something a calculator can't see.
Why factor rates can mislead
A 1.25 factor rate sounds cheaper than 18% APR — but on a 6-month term it's actually equivalent to roughly 50% APR. We translate every offer into a true cost-per-£1,000-per-month figure so you can compare lenders like-for-like, not headline-for-headline.
The early settlement question nobody asks
Some lenders charge no early-settlement penalty and rebate unearned interest. Others — especially merchant cash advances and most short-term lenders — charge the full agreed amount whenever you repay. We flag this on every offer before you sign anything.
Approval speed isn't payout speed
A lender can approve in 4 hours but take 5 working days to actually pay out — useless if you have a VAT bill due tomorrow. We know which lenders genuinely fund same-day, which need 48 hours, and which look fast on paper but are slow in practice.
All of this is included in our brokerage service — there's no fee to apply, and the lender pays our commission, not you.
Get an Accurate Quote
Calculators provide estimates, but your actual rate depends on your unique circumstances. Speak to our team for a tailored quote with no obligation.
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Everything you need to know about using our calculator and getting business finance
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