Find out how much your business could borrow, for free
✅ Compare business loans from 100+ UK lenders
✅ See which business loans you're eligible for.
✅ Apply for the loan most suitable for your business
Use our business loan calculator to see how much your could borrow and the cost of the loan. Understand what your monthly repayments are likely to look like, as well as the total cost including interest. Get the funding you need to power your business.
What do you need the funding for?
Funding for covering costs e.g. tax or payroll. These are typically unsecured loans.
For how long do you want to pay back your loan?
Interest rate
Loan amount
£ -Total interest amount
£ - 11% APR over a 3 yearsTotal repayable
£ -Total monthly repayment
£ - / monthNot sure what your business can afford?
Sign up to check your affordabilityUsing the Business Loan Calculator, you’ll be able to understand what funding you could be eligible for in seconds. We’ve included average monthly interest and additional costs for various funding products, allowing you to see the total cost of a business loan.
If you sign up to Capitalise for business, you’ll also be able to see exactly what funding your business can access. We’ll match your Experian business credit profile and publicly available data from Companies House, to calculate your funding eligibility.
If you’re looking for a term loan, repayments will be made monthly across the term, for example over 12, months, or 24 months, etc. To determine how much your business can borrow for a term loan, lenders will consider some of the following:
For example, if your business took a £120,000 loan for 2 years then it would need to repay £5,000 plus interest every month. This means that your business would need to generate significantly more than £5,000 each month in cash to comfortably afford that loan. This is what lenders are looking at when it comes to affordability.
When considering how much you can borrow, lenders want to see that this repayment will come from free cash flow in your business, coming after your necessary expenses and existing financial obligations. This will include any existing repayments, dividends or periodic payments you might have.
Once you have deduced these expenses from your existing cash flow, it should give you an idea of how much you can comfortably and realistically borrow. Our Business Loan Calculator can help you calculate how much you might be able to borrow within this budget.
Your repayments will depend on the size of the loan, the length of the term, and interest rate offered. The Business Loan Calculator will allow you to see how these different factors impact how much your monthly repayments will be, and how much your total cost of the loan will be.
Each lender will specialise in different products and sometimes specific business sectors, so which lenders you should apply to will depend on what you need to use the loan for and whether you meet their individual criteria. When you check your eligibility with Capitalise, we’ll consider the information provided such as:
We’ll then match you with 4 lenders most likely to approve you for a loan out of our panel of 100+ uk lenders. With this information, you’ll know which lenders to apply to, which funding products are best suited and how much you could borrow. You’ll also be able to speak with our funding specialists to help put your application together and apply for funding.
The interest rates you can get with a business loan will depend on a variety of factors, one of the most important being your business credit score. Having a good business credit score means that you will be able to access cheaper interest rates, saving you significant amounts of money in the long term.
When you check your eligibility with Capitalise, we’ll show you the typical interest rates offered for each lender, so you can get an idea of what rates will be available for that specific lending product.
From covering costs to investing in assets, tell us what you need the funds for
View your eligibility criteria, such as your business credit score and years trading
Tell us what your preferred monthly budget would look like
Option to get a budget estimate using your Experian credit profile
Estimate how much would you like to borrow, based on your preferred repayments
See a full breakdown of what those repayments would look like
Typical rates from each lender
The likelihood of you being accepted if you did apply
The time that lender would typically respond to you in
At Capitalise, we have a panel of 100+ business lenders to help you find the best suited funding match. The Business Loan Calculator can help you understand what lenders would loan funds to your business so you can better understand your options.
Here’s how to apply:
A term loan helps you cover costs in your business by accessing a loan payment and repaying it month by month until it’s fully repaid. This is similar to a personal loan in how it’s calculated.
For a buy-to-let or commercial mortgage the term is usually longer than 10 years and the calculation depends on the income expected from your tenants.
Asset finance can be used to purchase an asset such as a car, technology or equipment. It can be an easier way to get finance since lenders will look at the quality of the asset being purchased.
Yes, even if your business is a UK start-up you can still qualify for a business loan. However, you may be subject to higher interest rates and more expensive terms as your business credit profile will be less established and show less evidence of your business affordability.
Yes. To apply for a business loan through our Capitalise platform, your business will need to be registered and operating in the UK.
In some cases, rates start from 7.9%.
At Capitalise, we work with 100+ lenders including a number of institutional lenders, including high street banks, alternative lenders and independent lenders. Working with a wide range of different finance providers means we’re able to offer businesses different types of funding to suit their business needs.
These include; Asset Finance, Invoice Finance, Merchant Cash Advance, Trade Finance, Working Capital, Property Finance.
Capitalise makes it easy to find, compare and select lenders who are most likely to give you an offer.
A poor business credit score can make accessing funding difficult, but there’s a good chance you still have options available. We work with specialist lenders who can look to match your credit profile to business loans that fit your business needs.
We can also help you understand what’s holding your business credit score back and how you can look to improve it.
Learn more here about Bad Credit Business Loans, or delve into our Credit Review Service to see if we can help you improve your credit today.
If you want to purchase a business’ premises, as well as the business, a commercial mortgage could be the best type of loan to fund the business purchase. Using a commercial mortgage, you would be able to borrow up to 75% of the property’s value.
If you are a part of the business’ management team, then you could consider management buyout finance. You can check your eligibility with Capitalise to see how much you could borrow with management buyout finance.
There are lenders who offer startup business loans, so you may be able to get a loan if your business is new. However bear in mind that there may be fewer options available until your business reaches 2 years old.
The Business Loan Calculator is a useful tool that allows you to estimate how much your business can borrow to get the funding you need. By adding in the loan amount, selecting your term length and interest rate, we’ll calculate your monthly repayments, the total internist amount and the total amount repayable, so you can see how much could be affordable for your business to borrow.
Our Business Loan Calculator shows the cost and repayments for three different types of business loan. The amounts that you will see quoted on the calculator will be estimated ranges. To get an estimate of how much you could be eligible to borrow, you can check your eligibility with Capitalise. We’ll use your business credit score, data available on Companies House and your business requirements to let you know how much you can borrow.
