Estimate your potential business loan repayments
Adjust the loan amount, repayment term and an illustrative interest rate to explore estimated monthly or weekly repayments. Results are illustrative estimates and are not a personalised quote or guaranteed loan offer.
£25,000.00
15%
Estimated monthly repayment
£2,256.46
Monthly payment over 12 months
Total estimated repayment
£27,077.49
Total estimated interest
£2,077.49
Figures shown by this calculator are illustrative estimates only and do not constitute a loan offer. Actual rates, repayments, fees and available terms will depend on the applicant's circumstances, affordability assessment and final approved offer.
Actual borrowing terms depend on your business and application. Apply now to receive a personalised assessment based on your business performance and requirements.
Use the slider or type directly to set a loan amount between £5,000 and £500,000. The calculator updates immediately so you can see how the amount affects repayments.
Choose from terms between 6 and 60 months. A shorter term means higher regular payments but less total interest, while a longer term spreads the cost.
Move the slider between 5% and 50% to see how different rates would affect your estimated repayments. This is an illustrative rate you control, not a specific lender offer.
The results show your estimated regular payment, total repayment amount, and total interest over the full term. Use these figures as a starting point for planning.
When you are ready to explore your actual borrowing options, apply online. A lender will assess your business and provide a tailored quote based on your circumstances.
Business loan repayments are determined by several factors working together. Understanding these can help you make informed borrowing decisions.
The total sum you borrow. A larger loan amount means higher regular payments and more total interest over the term.
The length of time over which you repay the loan. Longer terms reduce the regular payment but increase total interest.
The cost of borrowing expressed as a percentage. Higher rates increase both your regular payment and total borrowing cost.
How often you make payments. Weekly payments are smaller per payment but more frequent, while monthly payments are larger but less frequent.
Some loans include arrangement fees, administration charges, or other costs. This calculator shows illustrative interest costs only.
Different loan products have different structures. Fixed-rate loans have predictable payments, while other products may vary.
This calculator provides illustrative estimates based on a standard amortising loan formula. It may not include every fee or product-specific cost that could apply to a real business loan.
Business loan interest rates vary between lenders and depend on a range of factors. Understanding what influences rates can help you prepare a stronger application.
Lenders prefer businesses with a proven track record. Longer trading histories may qualify for more favourable rates.
Consistent monthly revenue and healthy cash flow demonstrate your ability to repay, which can positively influence the rate offered.
Both personal and business credit histories are considered. A strong credit profile may help secure better terms.
Outstanding loans, overdrafts, or other commitments affect affordability and may influence the rate a lender can offer.
The amount you borrow and the repayment term can affect the interest rate. Different lenders have different rate structures.
Some industries are considered higher risk than others, which can affect the rates available to your business.
Unsecured loans may have different rate structures than secured lending. A personal guarantee may be required regardless of the rate.
For more detail on how we assess applications, visit our business loans page or read about unsecured business loans.
The table below shows illustrative monthly repayments for different loan amounts and terms using a 15% example annual interest rate. Your actual rate and repayments will depend on your business profile and the lender's assessment.
| Scenario | Term | Monthly repayment | Total interest | Total repayment |
|---|---|---|---|---|
| £5,000 business loan | 12 months | £451.29 | £415.50 | £5,415.50 |
| £10,000 business loan | 18 months | £623.85 | £1,229.26 | £11,229.26 |
| £20,000 business loan | 24 months | £969.73 | £3,273.59 | £23,273.59 |
| £50,000 business loan | 36 months | £1,733.27 | £12,397.59 | £62,397.59 |
| £100,000 business loan | 48 months | £2,783.07 | £33,587.59 | £133,587.59 |
All figures are illustrative and based on a 15% example annual interest rate with monthly repayments. Actual rates, fees, and terms will vary. Use the calculator above to explore your own scenarios.
Businesses across the UK use borrowing to support a wide range of activities. Here are some of the most common reasons business owners seek finance.
Funding day-to-day operational costs including payroll, rent, utilities, and supplier payments.
Buying stock or materials in bulk, often to meet seasonal demand or secure better pricing.
Purchasing or upgrading machinery, vehicles, technology, or other essential business equipment.
Recruiting new staff, covering recruitment costs, and funding training programmes for new hires.
Funding advertising campaigns, website development, branding, and promotional activities.
Opening new locations, entering new markets, launching products, or scaling operations.
Bridging short gaps between paying expenses and receiving customer payments or invoices.
Renovating or fitting out business premises, retail spaces, or offices.
Managing HMRC bills, VAT payments, corporation tax, or other tax liabilities.
For more information about using business finance, visit our working capital loans or main business loans page.
A business loan repayment calculator is a practical planning tool. Here is how it can help you make more informed borrowing decisions.
Adjust the loan amount slider to see how borrowing more or less affects your regular payments and total interest. This helps you match the loan to what you actually need.
Switch between 6 and 60 month terms to see the trade-off between lower monthly payments and total borrowing cost. Find the balance that works for your cash flow.
Seeing the estimated monthly repayment helps you assess whether the loan fits within your budget before you apply.
Adjust the example interest rate to see how different rates would affect your costs. This helps you understand the impact of rate changes before receiving a real offer.
Using the calculator helps you enter your application with a clear idea of what you need and what to expect. When you are ready, apply online for a personalised assessment.
A business loan calculator is a free online tool that estimates potential monthly or weekly repayments, total interest, and overall borrowing costs based on the loan amount, repayment term, and an illustrative interest rate you enter. It helps business owners explore different borrowing scenarios before applying for finance.
Apply online and receive a personalised assessment based on your business performance. No hidden fees, no obligation.