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Small business loan calculator
Every business needs clarity when it comes to borrowing. Our small business loan calculator helps you see your monthly repayments, total interest and full cost of borrowing in seconds.
Clarity before you borrow
See what a business loan could cost you in seconds. Adjust amounts, compare terms and explore different interest rates, all without affecting your credit score.
BRITISH BUSINESS BANK
ACCREDITED RECOVERY LOAN SCHEME
Calculate the cost of your loan
Get an instant estimate of your monthly repayments.
Interest rates vary by lender. If you're not sure, try 10% as a quick example.
Calculations are indicative and intended as a guide only. The figures shown are not a loan offer and your actual repayments may differ.
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About this business loan calculator
More and more UK businesses rely on external finance each year, and in that landscape, it’s easy to feel unsure about what borrowing really means for your cash flow. This calculator was built to give you clear, honest insight before you apply for anything.
See an estimated monthly repayment for a chosen loan amount
Understand the total interest you might pay
Sense-check whether a loan is likely to fit your cash flow
Enter your amount, choose a term, and explore different interest rates until you find a repayment that feels realistic for your business. It’s a safe place to experiment and understand your options without any pressure.
How our business finance calculator works
Just enter your loan amount, adjust your interest rate and choose a repayment term.
The calculator uses the same core amortisation method lenders rely on, giving you a helpful estimate of:
Your monthly repayment
Your total interest
The full cost of borrowing
Once you start trying different combinations, you’ll quickly see how a small change, a lower rate, a shorter term, shifts the entire shape of the loan.
If you’re unsure where to start, try modelling interest rates around 8 to 12%, which is common for established UK businesses. Newer companies may want to experiment with slightly higher rates.
Understanding your results
Once you’ve played with the calculator, you’ll start to see patterns.
The monthly repayment shows the pressure on your cash flow each month.
The monthly interest tells you how much you’re paying to borrow the money.
The total interest is a useful reality check, especially when comparing lenders.
And the total cost of the loan gives you the full picture of what borrowing.
Look at your monthly repayment first. Ask yourself: Would this feel comfortable during a quiet month? If the answer is “probably not”, try reducing the amount or extending the term.
When should i use a loan calculator?
Think of it as your “sense-check tool” whenever you’re at the start of a funding decision. Use it when you’re planning ahead, trying to understand affordability, or simply curious about what a certain amount would cost each month.
Plenty of business owners use it before speaking to lenders so they walk into the conversation informed, confident and clear about what they’re comfortable with.
Example scenarios to help you plan
To give you a sense of what typical repayments look like in the UK market, imagine a sole trader borrowing £10,000 over two years. Their monthly repayments often sit in the high £400s, depending on the rate. A growing limited company borrowing around £50,000 over four years usually lands somewhere around £1,250 to £1,300 a month. And if you’re exploring a short, sharp injection of £20,000 over twelve months, the monthly figure will be higher, but the total interest stays relatively low because the loan is repaid quickly.
These examples aren’t meant to tell you what your loan will be. They simply help you understand what’s normal so you can shape your expectations confidently.
Getting the most accurate estimate
The numbers get more meaningful when you’re honest with them. Choose a loan amount based on what you truly need, not the maximum you could borrow. Experiment with rates that reflect where your business sits financially. And most importantly, match the loan term to your cash flow rhythm, not your ambition to pay it off quickly.
Borrowing is a tool, not a race.
Ready to take the next step?
Once you’ve found a repayment that feels right, you can move on to checking your eligibility.
Most UK lenders only need basic business information at first, and the initial checks are usually soft, meaning no impact on your credit score.
Frequently asked questions
Answers to common questions about getting started, applying for funding, and managing your account.
