Business Loan Calculator

Borrowing   Interest   Total Repayment Monthly Repayment
£ -- + £ -- = £ -- £ --
Note: This is a term loan calculator and is designed for indicative use only. It is for loans where there is a set end date and where you repay the same amount every month.

We pride ourselves in understanding that every business is different, as are their financial requirements. Think work with hundreds of commercial lender helping you navigate and compare the individual terms for each loan or finance product. Use our business loan calculator below to see rates and lending terms.

Alternatively if you want to get an immediate quote, get in touch with a Business Lending Manager on 0203 880 9880

Compare Business Loans

Enter your details below
Find out in minutes what your business is eligible for

See How Much You Could Borrow

Compare Business Loans from over 200 Commercial Lenders


  • Check your Eligibility in minutes (without a credit check)

  • Our matching software, iFunds will match you against our panel

  • Our expert lending managers are on hand to discuss the best options

Compare Business Loans

Enter your details below
Find out in minutes what your business is eligible for

Other Points to Consider with Business Funding

Business Loan Size

The maximum commercial loan available to your business depends on a number of different and complicated variables, and therefore will vary greatly depending on lenders. Our software bridges this gap by covering over 18,000 data points to ensure the right lender, for the right client.

The main factors that will influence your maximum loan are:

  • Turnover and Profit
  • Your businesses affordability
  • Your Business and Personal Credit history
  • How Long you’d be Looking to Borrow
  • Bank Account Behaviour (Bounced payments etc)

Unsecured business loans will have a maximum loan size of circa £500,000.

Secured business loan (where a business loan is taken out and the amount is secured against personal or commercial property). The maximum amount for secured business loans will be based on property value, which is why larger loans are often obtained this way

Our Matching Platform will be able to easily tell you how much your business would be eligible for. Give it a crack, its free, and it won’t effect your credit score


Interest Rates

Think have preferential rates with the majority of our Lenders and our Interest rates start at 1.8% for the lowest risk unsecured business loans.

Below are indicative rate based on credit risk bands (these are bands set by the lender based on your creditworthiness – to find out your credit score please try our Free Compay Credit Check

  • Business Risk Credit Band A+: 1.8%-4.6%

  • Business Credit Risk Band A: 2.1% – 6.2%

  • Business Credit Risk Band B: 5.5% – 8.9%

  • Business Credit Risk Band C: 7.9% – 12.9%

  • Business Credit Risk Band D: 12% – 18%

  • Business Credit Risk Band E: 18.5% – 28.9%

Please note the above is based on Term Loans (up to 60mths) with Fixed Interest Rates ONLY

The interest rate your business will be charged will differ depending on your businesses credit risk profile. Each of our lenders will calculate this in their own ways, but don’t worry, our system matches these criteria to give you real-time eligibility and rate check.

Remember: If your credit history isn’t sufficient for the lender, or for some reason, your business is perceived as a high risk, the interest rate your business will be charged may be higher.



Business ‘Term Loans’

When you need to calculate monthly repayments on unsecured business loans, a term of 1-5 years is standard.

Secured Loans

For secured loans, terms of up to 10 years are standard, so when calculating the cost of the loan, base this on affordable monthly repayments up to that figure.

Working Capital Facilities/Overdrafts

These are usually for 12-24 months with interest charged monthly. So are perfect for quick funding with ROI turnaround

Speed of Loan Completion

Unsecured business loans are usually completed between 24hrs and 1 week, depending on lender.

Secured business loans will take a little longer due to the legal paperwork required. The average will be 4-8 weeks.

Think are experts in this process and have the fastest processing time in the whole market. With a first time right rate of 98%. Meaning you get quicker feedback, updates, and offers. Download our App to keep up to date 24/7.

Compare Business Loan Lenders & Apply Online

To find out more, or to get a free personalised quote, enquire online now or call us to talk to an adviser. Our team of experts will be able to assess your application quickly and provide you with full written terms.

Speak to one of our experts now

0203 880 9880