Business Loan Calculator UK: Estimate Your Rates & Repayments
Planning your next big move? Our business finance calculator helps you visualize the cost of funding in seconds. Whether you're looking for a short-term business loan to bridge a gap or a growth loan to scale your operations, use the sliders below to see a transparent breakdown of monthly costs, total interest, and factor rates.
As an FCA-authorised business finance broker, we look beyond the numbers. While this tool provides an estimate, we connect you with over 100+ specialist UK lenders to find the actual best deal for your specific business needs.
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Example funding scenarios
Your Funding Breakdown
This calculation shows estimated costs based on your selections. Actual rates may vary based on your business profile and credit assessment.
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.
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 |
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.
Business Loan Calculator FAQs
Everything you need to know about using our calculator and getting business finance
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