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

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

New CGT threshold may reshape growth plans for Australian SMEs

19 Jun 2026: Paige Estritori

The Federal Government’s latest small business tax adjustment could give thousands of growing Australian SMEs more breathing room when planning expansion, succession or an eventual sale. The key change is an increase to the turnover threshold for the small business 50 per cent active asset capital gains tax concession, moving it from $2 million to $10 million. - read more

Australian SMEs Grapple with Declining Confidence Ahead of Payday Super Reforms

12 Jun 2026: Paige Estritori

Recent research indicates a notable decline in confidence among Australian small and medium-sized enterprises (SMEs), with the impending 'payday super' reforms contributing significantly to this downturn. The reforms, set to take effect on July 1, 2026, mandate that employers pay superannuation contributions concurrently with employee wages, replacing the existing quarterly payment system. - read more

Australian SMEs Embrace Non-Bank Lenders for Core Business Financing

12 Jun 2026: Paige Estritori

Australian small and medium-sized enterprises (SMEs) are increasingly turning to non-bank lenders to meet their core business financing needs. Recent findings from ScotPac's bi-annual SME Growth Index Report reveal that 34% of SMEs have sourced non-bank lending in the past 12 months, not only for capital expenditure but also for working capital, cash flow management, and operational resilience. - read more

ScotPac Partners with UBS to Boost SME Financing Solutions

12 Jun 2026: Paige Estritori

ScotPac, Australia's largest non-bank business lender, has announced a significant partnership with UBS AG Australia Branch, securing a new warehouse facility aimed at expanding its funding capacity for small and medium-sized enterprises (SMEs). This collaboration underscores ScotPac's commitment to delivering innovative financing solutions tailored to the evolving needs of Australian businesses. - read more

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Business Loan Articles

The Shift Towards Sustainable Business Funding

In today's fast-paced business environment, choosing the right type of financing is crucial for long-term success. The global shift towards sustainability has not only reshaped consumer behavior but also business financing strategies. Sustainable business funding has emerged as a key player in this transformation. - read more

Loan or Line of Credit? What’s Best for Your Business?

When it comes to financing your business, selecting the right option is crucial to its success. The right financial tools can help your business grow, manage expenses, and navigate unforeseen challenges more effectively. - read more

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

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

Knowledgebase

Interest Coverage Ratio:
A measure of a company's ability to make interest payments on its debt, calculated as EBIT divided by interest expense.

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