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Unsecured business loan calculator

If you’re looking at a term loan, this helps you estimate repayments and total interest before you enquire.
Enter your assumptions below—results are estimates only.

To keep this useful, this page stays focused on the numbers—not what you’ll be approved for.

Crunch the numbers
Loan amount
Term (months)
Interest rate (% p.a.)
Repayment frequency
$0.00 / month
Total interest (estimate) $0.00
Total to repay (estimate) $0.00
No obligation · Consent-first · Business use only
Estimates only. Excludes fees and charges. Actual pricing and repayment schedules vary by lender, business profile, and assessment.

Use this to sense-check affordability. If the result feels tight, the safest next step is an eligibility check so we can confirm what’s realistic before you spend time applying.

Crunch the numbers

A simple way to sanity-check the result

  • If the repayment only works at a very low rate, treat that as a sign to slow down and check what’s realistic.

  • Compare total interest paid and total amount to repay, not just the weekly/monthly figure.

  • If your cash flow is uneven month-to-month, choose a repayment frequency you can actually stick with.

When this calculator is the right tool

This is best for term-loan style unsecured business lending (principal + interest over a fixed term).

If you’re exploring other structures, start here: Unsecured business loans →

If the estimate looks close, the next step is checking eligibility

We’ll confirm what’s realistic for your situation before anything proceeds.

Check Eligibility (30 sec)

100% free • No credit score impact

Compliance & consent

Nothing proceeds without your consent. If you’re unsure what rate or term to use, you can still check eligibility and we’ll guide you on what matters.