Business Loans :: Calculators

Business Loans Financial Calculators

Business Loans is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Business Loan Repayment Calculator
Estimate repayments with our Business Loan Calculator. Compare finance options, tailor loan terms, and plan with confidence for your business growth.
Plant & Equipment Lease Calculator
Estimate repayments with our Plant & Equipment Lease Calculator. Factor in residual (balloon) payments, compare finance options, and choose flexible terms to suit your business.
Business Insurance Calculator
Estimate your business insurance needs with our Business Insurance Calculator. Calculate the right levels of cover to protect your business operations and secure your financial livelihood.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'


Finance News

What the Latest Business Survey Means for SME Finance
What the Latest Business Survey Means for SME Finance
11 Aug 2026: Paige Estritori
Australia's latest business survey suggests small and medium-sized enterprises are still operating in a mixed environment: conditions are not collapsing, but confidence remains fragile and margin pressure is hard to ignore. For business owners, that combination matters because it may change how lenders assess risk, how much debt a business can comfortably carry and whether new funding should be used for growth, resilience or short-term cash flow support. - read more
ATO Debt Pressure Puts Cash Flow Planning Back in Focus for SMEs
ATO Debt Pressure Puts Cash Flow Planning Back in Focus for SMEs
31 Jul 2026: Paige Estritori
The Australian Taxation Office’s firmer approach to outstanding business tax debt is sharpening the cash flow challenge for small and medium-sized enterprises. After several years in which many businesses relied on payment plans or delayed tax obligations to preserve working capital, the environment is becoming less forgiving. For owners, that means tax debt can no longer sit at the edge of the finance plan. It needs to be treated as a core liability alongside wages, suppliers, rent and loan repayments. - read more
SMEs Are Borrowing More Carefully as Cash Flow Pressures Bite
SMEs Are Borrowing More Carefully as Cash Flow Pressures Bite
24 Jul 2026: Paige Estritori
Australian SMEs appear to be entering the new financial year with a more cautious approach to debt, according to the latest Banjo Barometer data reported by Inside Small Business on 10 July 2026. Rather than borrowing primarily to fund expansion, more businesses are using loan funds to cover immediate operating needs such as wages, supplier payments and day-to-day cash flow. - read more
Why SMEs Should Slow Down Before Lodging Tax Returns
Why SMEs Should Slow Down Before Lodging Tax Returns
10 Jul 2026: Paige Estritori
CPA Australia’s July 2026 warning to SMEs is a timely reminder that tax time is not just an administrative deadline. It is also a period when business owners are more exposed to fraud, rushed decisions and avoidable errors that can flow through to cash flow, compliance and future borrowing capacity. - read more
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Business Loan Articles

What Costs Should You Compare When Choosing a Business Loan?
What Costs Should You Compare When Choosing a Business Loan?
When comparing business loans, it's important to understand the different costs that may apply over the life of the loan. While interest rates are often a key consideration, other costs such as fees, repayment terms and charges may also affect the total cost of borrowing. - read more
Emerging Trends in Business Funding
Emerging Trends in Business Funding
The landscape of business funding is undergoing significant changes, offering new opportunities and challenges for small businesses. With evolving technologies, shifting market dynamics, and an increased focus on sustainability, entrepreneurs are seeing a transformation in how they secure and manage funding. - read more
Secured vs Unsecured Business Loans: What's the Difference?
Secured vs Unsecured Business Loans: What's the Difference?
Secured and unsecured business loans are two common types of finance available to Australian businesses. While both provide access to funding, they differ in how they are structured, the security requirements, borrowing limits and other loan features. - read more
Boost Your Cash Flow: How Working Capital Loans Can Transform Your Business
Boost Your Cash Flow: How Working Capital Loans Can Transform Your Business
Running a small or medium-sized business in Australia can be an exciting venture, full of potential and growth opportunities. However, maintaining a healthy cash flow is critical to keeping that dream afloat and thriving. This is where working capital loans come into play. - read more

Knowledgebase
Equity:
The amount of (or that portion of) an asset actually owned. Equity is the difference between the market value and the current amount of money still owing on the loan. This is also referred to as the owner’s interest.

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