DISCLAIMER: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore, the interest rate and repayment you may be offered may vary from the amount shown.
Whatever queries you may have around business financing, our business loan calculation device can be a great place to look for quick answers. This easy-to-use, online tool is available without obligation, to prepare, compare and plan before applying for funding. Use our business loan calculator to obtain estimates on all types of commercial financing – vehicle finance, truck loans, equipment financing, motor vehicle finance, overdrafts, refinancing, secured finance and unsecured business loans.
The repayments can be a big factor in purchase decisions and having estimates may assist operators make more astute choices for their business. The device is also useful for deciding whether or not to borrow 100% or to pay a deposit, what sized balloon is preferred, and to compare models at different price points based on repayments.
This must-have tool for savvy business operators can be used on any device connected online and is fully supported by our quick quote service. Calculate estimates now or contact us for a quick quote on your business loan requirements.
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Calculating business finance repayment estimates is easy with our online tool. All you need to know is how much you want to borrow, and the loan type – Lease, Chattel Mortgage, CHP, Rent-to-Own, Secured, Unsecured, or Overdraft. This is required to ensure the correct interest rate is entered. The device is suitable for calculating estimates on all types of asset purchases and business loans.
Enter the amount required for the loan, the interest rate for the required loan type, the preferred term and balloon, click CALCULATE and the monthly repayment will automatically be displayed. We recommend using our latest best rates for this purpose, being mindful that the rate offered to individual applicants may be different.
Interest rate offers vary based on credit scores and in some cases with used goods. This can result in any offer being different from the estimate calculated. Another issue to consider is that fees and charges applied by lenders are not included. These can vary with different lenders. Until we select the right lender for your profile and finance requirements, the specific charges applying to your loan will not be known.
To allow for these unknowns, savvy users may use the device to make ‘contingency’ calculations. That is, type in a slightly higher interest rate in case you are not offered our lowest current rates, in case rates change before you submit an application, and to allow for those lender charges. The results can be noted and provide a range of repayments for consideration.
The loan term can easily be changed to see the different repayment estimates over different repayment terms. Keep loan amount and interest rate the same and change the term – from say 5 to 7 years, 6 to 4 years, and note the difference in the repayments. A shorter term results in higher monthly commitments but less total interest payable. A longer term may ease cash flow with lower monthly outgoings, but a higher total interest will accrue.
Don’t forget to note the results for future references. Our finance calculation device does not have a memory to retain results calculated. When the results are in your ballpark, contact us for quote or to start the application process.
Interest rates in commercial lending vary with lenders, applicants and with different credit facilities. The calculator allows operators to easily compare repayments on Leasing, Chattel Mortgage, CHP and Rent-to-Own, and compare our low rates with rates obtained from other lenders.
To compare loan types, carry out a calculation by inputting the rate for each of the credit facilities you want to compare. Leave the loan amount, term and balloon the same and change the rate for the next loan type.
Easily compare Leasing with Chattel Mortgage, Lease with Rent-to-Own, CHP with Lease. Useful information when making decisions on financing products. Be mindful that the suitability of different loan products is dependent on accounting aspects of the business operation.
While comparing, remember to note the results for reference. This device does not have a memory to store your calculations. There is no obligation attached to using our finance calculation device.
For specific repayments based on your individual profile and requirements, connect with us online or give us a call.
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THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 15/03/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.
Our guides offer quick comparisons and simple explainers to help you rise above the financing process with confidence.
Online calculation devices do not have the ability to discern between the credit profiles of users or allow for lender fees. Any offers can be different to calculator estimates.
Yes. By typing in the interest rate for the credit product required, the calculation device can be used for all credit types.
For the purpose of calculating estimates, users can type in the interest rate currently being displayed by the lender or any other rate.
Online calculation devices do not store results in a memory. Users need to write results separately for future reference.
No. Online finance calculation devices only calculate figures based on data entered. If GST is applicable to repayments, this is not allowed for in the results.
Online calculation devices only generate estimates as they do not include lender fees and charges and do not assess credit scores. Credit scores can affect the rate offer.
Changing the loan term by typing in another value will show repayment estimates for different terms.
No. When using the device for calculations involving a balloon, do not subtract the balloon from the loan total. The device handles that computation.
No maths skills are required to use on online financing devices. It only requires basic computer skills to type in the amounts in the designated spaces.
