Business Loan, Funding & Finance Calculator UK — Estimate Rates & Repayments
One free calculator covering every angle — whether you call it a business loan calculator, business funding calculator or business finance calculator, the maths is the same. Use the sliders below to see monthly repayments, total interest, factor rates and arrangement fees in seconds.
As an FCA-authorised business finance broker with access to 100+ specialist UK lenders, we go beyond the estimate — finding the actual best deal for your trading profile, cash flow and timescale.
Customize your funding requirements
Example funding scenarios
Your Funding Breakdown
This calculation shows estimated costs based on your selections. Actual rates may vary based on your business profile and credit assessment.
Important Note
This calculator provides estimates only. Actual rates depend on your business circumstances, trading history, and the lender's assessment. Contact us for an accurate quote tailored to your situation.
Business Funding Calculator
Looking at this as a business funding calculator? The tool above models every common funding type — unsecured loans, merchant cash advances, invoice finance and asset finance — so you can compare the true cost of each route before committing. Funding decisions hinge on cash flow, not headline rates, and our brokers translate the numbers into a plain-English recommendation.
Business Finance Calculator
Used as a business finance calculator, the estimator covers terms from 3 to 72 months and amounts from £5,000 to £500,000+. Adjust the slider to see how term length affects monthly cost vs total interest — a critical trade-off most high-street bank calculators don't show you.
Why use our calculator instead of a bank's?
A bank calculator only models one product from one lender. Ours reflects the actual UK funding market — 100+ specialist lenders, every product type, real-world acceptance criteria.
A High-Street Bank Calculator
- Shows only that bank's products
- Hidden arrangement fees not shown
- No factor rate or MCA modelling
- Often requires 2+ years trading & strong credit
- 5–15 working days to a decision
SME Finance Hub Calculator
- Compares 100+ specialist UK lenders
- Arrangement fees built into the estimate
- Models interest rates and factor rates
- Works from 6 months trading & £120k+ turnover
- Same-day funding decisions available
Factor Rates vs Interest Rates
Many alternative lenders use factor rates instead of traditional interest rates. Here's how they work.
Interest Rate
Traditional method where interest is calculated on the outstanding balance. As you repay, the interest portion decreases.
- Interest reduces as you repay
- Early repayment usually reduces cost
- Common for traditional bank loans
Factor Rate
A simple multiplier applied to the loan amount. Multiply your borrowing by the factor rate to see your total repayment.
- Easy to calculate total cost
- Fixed total repayment amount
- Common for merchant cash advances
Factor Rate Examples
| Factor Rate | Amount Borrowed | Total to Repay | Typical Scenario |
|---|---|---|---|
| 1.15 | £10,000 | £11,500 | Low risk / established business |
| 1.25 | £10,000 | £12,500 | Standard business loan |
| 1.35 | £10,000 | £13,500 | Higher risk / shorter trading history |
The calculator is a guide. Expert broker advice is where you save money.
A loan calculator gives you a useful estimate, but the real cost of business finance comes down to four things lenders rarely make obvious. This is where 7 specialists and access to 100+ lenders earns its keep.
The hidden cost of "no fee" loans
A loan with no upfront arrangement fee often locks you into the full interest term with no early-settlement saving. A loan with a 2–4% fee may let you settle early and save thousands. The right choice depends entirely on your cash flow forecast — something a calculator can't see.
Why factor rates can mislead
A 1.25 factor rate sounds cheaper than 18% APR — but on a 6-month term it's actually equivalent to roughly 50% APR. We translate every offer into a true cost-per-£1,000-per-month figure so you can compare lenders like-for-like, not headline-for-headline.
The early settlement question nobody asks
Some lenders charge no early-settlement penalty and rebate unearned interest. Others — especially merchant cash advances and most short-term lenders — charge the full agreed amount whenever you repay. We flag this on every offer before you sign anything.
Approval speed isn't payout speed
A lender can approve in 4 hours but take 5 working days to actually pay out — useless if you have a VAT bill due tomorrow. We know which lenders genuinely fund same-day, which need 48 hours, and which look fast on paper but are slow in practice.
All of this is included in our free service — there's no fee to apply, and the lender pays our commission, not you.
Get an Accurate Quote
Calculators provide estimates, but your actual rate depends on your unique circumstances. Speak to our team for a tailored quote with no obligation.
Business Loan Calculator FAQs
Everything you need to know about using our calculator and getting business finance
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Get clear, expert advice from our experienced brokers. No hidden fees, transparent service, no obligation.
FCA Regulated • No Obligation Service • All Costs Disclosed Upfront