Free calculators and tools
Business loan calculators that don't guess your rate
Four free tools that work in dollars, equity and your own cash flow — the way a careful lender would. Nothing you enter leaves your browser.
Why our business loan calculators work in dollars
Search for a business loan calculator and most will ask you for an interest rate first. That's the one number you can't know before a lender has looked at your security, trading history, credit and purpose — and a guess of a couple of points either way changes the answer completely. Business credit in Australia also doesn't have to carry a comparison rate, so headline numbers from different lenders rarely compare like for like.
Our tools start from things you can check. The business loan calculator uses the total cost of finance in a written quote. The borrowing power estimator uses your property's value, what's owing and an LVR you choose, plus your real monthly surplus. The Lender Matcher uses six facts about your business to point you at the lender types that usually fit, and the document checklist builder tells you exactly what to gather.
A sensible order to use them
- Find your ceiling with the borrowing power estimator, so you know roughly what security and cash flow can support.
- Find your lender type with the Lender Matcher, so you approach the part of the market most likely to say yes.
- Gather your documents with the checklist builder, so the application is complete on day one.
- Test real quotes in the business loan calculator, comparing offers by total dollars and repayment comfort.
Prefer to skip straight to a person? Send a 60-second enquiry. There's no credit check to ask, your details go to one well-matched lender rather than a list, and accurate answers mean we can line you up properly first time.
Calculators: common questions
Which business loan calculator should I start with?
If you don't know how much you can borrow, start with the borrowing power estimator. If you already have a quote, use the business loan calculator to turn its total cost into weekly, fortnightly or monthly repayments. Not sure which lender type suits you? The Lender Matcher ranks them in six questions, and the document checklist tells you what to gather.
Why don't your calculators use interest rates?
Because you can't know your rate until a lender has assessed your business, and a guessed rate gives a misleading answer. Our tools work from figures you can actually verify: the total cost of finance in a quote, the value and debt on a property, and your own monthly surplus.
Do the tools store or send my information?
No. All four tools run in your browser. Nothing you type is sent to us or to a lender, and nothing touches your credit file. If you'd like a person to look at your numbers, you can send an enquiry separately.
Are the results an approval or an offer?
No. They are planning estimates to help you walk into a lending conversation with realistic numbers. Lenders run their own valuations, serviceability tests and credit checks before making an offer.
Ready when you are
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Asking what you could get leaves your credit file alone. A check only happens later, with a lender you've chosen, and you'll know before it does.
Not sprayed to a list
Your enquiry isn't auctioned or blasted to a crowd of lenders. We work out where it belongs and take it to that lender properly.
A real person on your file
Someone who knows the Australian lending market reads your details and calls you. Accurate answers on the form mean the right match first time.