Plan your business finance with confidence
Making informed borrowing decisions is crucial for Australian businesses. Our comprehensive commercial loan calculator helps you understand exactly what your business loan will cost, enabling smarter financial planning for your company’s growth.
Quick Results: Get instant calculations for monthly repayments, total interest, and comparison rates across different loan scenarios.
How our business loan calculator works
What You Can Calculate:
- Monthly repayments for any loan amount up to $5 million
- Total interest costs over the entire loan term
- Comparison rates including fees and charges
- Different repayment frequencies (weekly, fortnightly, monthly)
- Principal & Interest vs Interest-Only repayment structures
Required information:
- Loan Amount: From $10,000 to $5,000,000
- Interest Rate: Current market rates (typically 4.5% – 12% for commercial loans)
- Loan Term: Usually 1-30 years for commercial lending
- Fees: Establishment fees, ongoing fees, and other charges
Commercial Loan Calculator
Loan Details
How to Use This Calculator
- Enter the loan amount you wish to borrow.
- Select the loan term in years.
- Input the interest rate as a percentage.
- Choose your preferred payment frequency.
- Select the loan type (Principal and Interest or Interest Only).
- Enter any upfront fees associated with the loan.
- Input any ongoing annual fees.
- Click the "Calculate Loan" button to see your results.
Note: This calculator provides estimates only and should not be considered financial advice. Please consult with a financial professional for personalized recommendations.
Understanding Commercial Loan Costs in Australia
Interest Rates by Loan Type (2025):
- Commercial Property Loans: 5.5% – 8.5% p.a.
- Equipment Finance: 6% – 12% p.a.
- Working Capital Loans: 7% – 15% p.a.
- Business Term Loans: 6% – 14% p.a.
Hidden Costs to Consider:
- Establishment fees: $500 – $5,000
- Ongoing fees: $10 – $50 per month
- Early repayment penalties: 1-6 months interest
- Valuation costs: $300 – $2,000 for property loans
- Legal fees: $800 – $3,000
Real Business Loan Examples
Example 1: Manufacturing Equipment Purchase
- Loan Amount: $250,000
- Interest Rate: 7.5% p.a.
- Term: 5 years
- Monthly Repayment: $5,014
- Total Interest: $50,840
Example 2: Commercial Property Purchase
- Loan Amount: $800,000
- Interest Rate: 6.2% p.a.
- Term: 25 years
- Monthly Repayment: $5,163
- Total Interest: $748,900
Optimising Your Business Loan Application
Factors That Influence Your Rate:
- Business Credit Score: 650+ typically required
- Time in Business: Minimum 2 years trading history
- Annual Revenue: Usually $100,000+ minimum
- Security Offered: Property vs unsecured
- Industry Risk: Some sectors considered higher risk
Documentation Needed:
- 2 years business financial statements
- Personal financial statements
- Business registration documents
- Tax returns (business and personal)
- Bank statements (6 months)
Beyond the Calculator: Professional Finance Advice
While calculators provide estimates, every business situation is unique. Our experienced business finance team has helped over 3,300 Australian businesses secure optimal lending solutions.
Our Services Include:
- Loan Comparison: Access to 60+ commercial lenders
- Cash Flow Forecasting: Detailed repayment capacity analysis
- Alternative Finance Options: When traditional loans aren’t suitable
- Ongoing Support: Refinancing and rate reviews
Why Choose Smart Business Plans:
- Free Initial Consultation: No obligation assessment
- Competitive Rates: Wholesale rates through our panel
- Fast Approval: Applications processed within 48 hours
- Local Expertise: Australian-owned, understand local market
Important Disclaimers
Calculator Accuracy: This calculator provides estimates only. Actual loan terms, rates, and fees may vary based on your specific circumstances and lender criteria.
Not Financial Advice: This tool is for illustrative purposes only and should not be considered personal financial advice. Consult with a qualified finance professional before making borrowing decisions.
Rate Variations: Interest rates change regularly. Current rates may differ from those used in calculations.
Ready to Secure Your Business Loan?
Don’t let complex calculations slow down your business growth. Our finance specialists can provide personalised quotes from Australia’s leading commercial lenders.
Call 1300 262 098 or book a free consultation to discuss your specific requirements.
Next Steps:
- Use the calculator to estimate your repayments
- Book a free consultation with our team
- Receive personalised loan recommendations
- Compare offers from multiple lenders
- Secure your business finance solution
** Last updated: June 2025 – Interest rates and lending criteria subject to change **
