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 for covering costs e.g. tax or payroll. These are typically unsecured loans.

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

£ - 11% APR over a 3 years

Total repayable

£ -

Total monthly repayment

£ - / month


Estimate how much your business can borrow

Check your company credit score eligibility

Calculate monthly repayments for a business loan

How our Business Loan Calculator works

Using 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. 

How much can my business borrow?

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:

  • Whether your business makes a profit.
  • Your last year’s turnover - typically you can expect to borrow 25% of your annual turnover.
  • If your cash flow covers the business repayments by at least double. 

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.

How much will my repayments be?

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. 

Which lenders should I apply to?

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: 

  • Your business credit score
  • Your business sector 
  • What you intend to use the loan for 
  • Whether you have or want to use any assets as security 

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. 

What interest rate can I get with a business loan?

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. 

How to use our Funding Calculator

How to apply

Check your business loan eligibility
check icon From covering costs to investing in assets, tell us what you need the funds for
check icon View your eligibility criteria, such as your business credit score and years trading
Set a budget for how much you can afford
check icon Tell us what your preferred monthly budget would look like
check icon Option to get a budget estimate using your Experian credit profile
See what your repayments would be
check icon Estimate how much would you like to borrow, based on your preferred repayments
check icon See a full breakdown of what those repayments would look like
See lenders which match your business
check icon Typical rates from each lender
check icon The likelihood of you being accepted if you did apply
check icon The time that lender would typically respond to you in

How to apply for a business loan?

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: 

  • Register a free account with your company name 
  • Check your Experian business credit score
  • Find the funding you’re most likely to be approved for from the most suitable lenders
  • Apply to four lenders with one simple application
  • See all your funding offers and track any applications in one place

How is the business loan calculator different for each type of business loan?

Term loans

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.

  • Typically repayable within 1 - 5 years
  • Usually for businesses who have 18 months trading history
  • Interest rates depending on the financial strength of your company.

Commercial mortgages

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.

  • Typical term length of 10 years or more
  • Interest rates depending on the bank rates and strength of the tenancies
  • Available for companies younger than 2 years old as an investment vehicle

Asset finance

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.

  • Typical term length of 5 - 10 years
  • Loan size amount available depends on the cash flow of your company
  • Available for recently registered companies

Get started for free.

Check your business loan eligibility with the Capitalise Business Loan Calculator

Business loan calculator faqs

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.

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.