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

Why tax incentives should not rush your next business loan

08 Sep 2026: Paige Estritori

Fresh small business tax reporting has put asset write-offs back in the spotlight, with many Australian SMEs again weighing whether to bring forward spending on vehicles, machinery, technology or fit-out. The practical message is clear: tax incentives can improve the after-tax cost of an eligible purchase, but they should not be treated as a substitute for a disciplined finance decision. - read more

What stronger equipment finance interest means for SME borrowers

01 Sep 2026: Paige Estritori

Fresh industry reporting on business lending suggests Australian SMEs are still looking for ways to invest in productive assets, even while broader trading conditions remain uneven. Demand for finance linked to vehicles, machinery, technology and other equipment appears to be holding attention because these purchases can directly improve capacity, efficiency or service delivery. - read more

What rising business risk means for SME loan applications

25 Aug 2026: Paige Estritori

Fresh business risk reporting is sending another reminder that Australian SMEs are operating in a more selective lending environment. Measures such as payment defaults, external administrations and weaker trading conditions are being watched closely across the market, particularly in sectors exposed to discretionary spending, construction delays and cost inflation. - read more

Late Invoices Put Fresh Pressure on SME Borrowing Plans

18 Aug 2026: Paige Estritori

Late payments are back in focus for Australian small and medium-sized businesses, with recent small business reporting highlighting how unpaid invoices can quickly turn profitable trading into a cash flow squeeze. For owners already managing higher wages, rent, supplier costs and tax obligations, slower customer payments can create a funding gap even when sales look healthy on paper. - read more

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Business Loan Articles

Loan or Line of Credit? Whatâ€™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

How Do Lenders Assess a Business Loan Application in Australia?

Applying for a business loan involves more than completing an application form. Lenders typically assess a range of factors when deciding whether to approve a loan, including the financial position of the business, its ability to repay the loan and the information provided as part of the application. - read more

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

Knowledgebase

Asset-Backed Security (ABS):
A financial security backed by a pool of assets, such as loans, leases, credit card debt, royalties, or receivables.

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