Business loan calculator

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 to buy or refinance an asset e.g. vehicle, machine or equipment. Usually a deposit is required also.

For how long do you want to pay back your loan?

£ 25,000

Interest rate

Typical business loans to cover costs range from 7% - 16% APR depending on the duration, amount and lender.

Loan breakdown

Loan amount

£ -

Total interest amount

£ - 9% APR over a 3 years

Total repayable

£ -

Total monthly repayment

£ - / month

Why use an asset finance calculator?

Asset finance allows you to spread the cost of purchasing assets over time. Instead of paying a large sum upfront, you make smaller, regular payments. This helps maintain your working capital and keeps your business running smoothly.

Our asset finance calculator takes the guesswork out of the equation, allowing you to:

Budget accurately: Know your monthly payments in advance.
Save time: Quickly compare different financing options from over 100 UK lenders.


Estimate how much your business can borrow

Check your company credit score eligibility

Calculate monthly repayments for asset finance

Understanding asset finance repayments

Using an asset finance repayment calculator, you can easily see your estimated monthly payments. By entering the amount you wish to borrow, the interest rate, and the loan term, you can quickly estimate your repayment schedule. This tool is essential for effective budgeting and forecasting your business cash flow

How is an asset finance loan calculated?

Asset finance loans are calculated based on the value of the asset you are financing, the interest rate, and the loan term. These factors determine your repayment amounts, helping you understand the financial commitment involved in acquiring new business assets.

How does the asset finance calculator work?

Using the loan calculator is straightforward, just follow these steps:

  1. Enter the total cost of the asset you wish to finance.
  2. Select the duration of the loan term.
  3. Adjust the interest rate if necessary
  4. The calculator will instantly show you your estimated monthly repayments.

Looking for something else? Try our other loan calculators

Is an asset finance calculator accurate?

Our asset finance calculator provides close estimates based on the information you input. However, actual loan terms and interest rates can vary due to factors like your business credit score and the exact lender you choose. For a more precise estimate, you can start a funding search with Capitalise. We’ll match you with lenders that best suit your needs and our funding specialists will help you find a product that works for you. If approved, you'll receive all the loan details, so you’ll know exactly how much it will cost each month and in total.

How is your eligibility for an asset finance loan calculated?

Your eligibility for an asset finance loan depends on several factors, including your business’s credit history, financial health, and the value of the asset you wish to finance. By using our calculator, you can get an idea of what you might be able to borrow and prepare for a funding application. 

What types of assets can I finance?

Working with over 100 lenders, Capitalise can help you access finance to cover a wide range of assets.
Here's a list of some common types of assets you can finance:



  • Office equipment including computers, printers, and furniture.
  • Manufacturing machinery and tools.
  • Construction equipment such as diggers, excavators, and other heavy equipment for construction projects.

Medical equipment

  • Diagnostic machines, treatment devices, and other essential healthcare tools.

Agricultural equipment

  • Tractors, ploughs, and other farming equipment.

Retail and hospitality equipment

  • Cash registers, card readers, and inventory management systems.
  • Ovens, refrigerators, and other appliances for restaurants and cafes.

Frequently asked questions

Choosing the right asset finance option depends on the type of asset you need, your budget, and your financial goals. There are a variety of different options to choose from to finance an asset, such as hire purchase, a finance lease and contract hire. If you’re unsure which is best for you, don’t worry, our funding specialists are here to help. They will use their expertise to guide you and match you with the right lender.

Tip: Learn more about the differences between leasing and financing a vehicle.

Yes, many lenders offer financing for used equipment or vehicles. However, terms and interest rates may vary based on the asset's age, condition, and resale value. 

Asset finance rates are influenced by factors including the type of asset, how strong your business credit score is, the loan term, and the current market interest rates. Lenders may also consider the asset's age, condition, and overall risk associated with the loan.

A plant finance calculator helps you to estimate the cost of financing plant equipment for your business. By entering the cost of the equipment, the interest rate, and the loan term, you can get an idea of your monthly payments, helping to decide if it would fit within your budget.