Calculate Your Loan Repayments Instantly
Use our easy loan calculator to estimate your repayments, compare terms, and make informed decisions—before you apply.
No credit check to see if you are eligible
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Designed for Growing Businesses
Flexible Loans, Fast Decisions, No Upfront Security
We’re all about helping you reach your goals—no need to get bogged down by unnecessary red tape.
Need a loan?
- You can borrow from $5K, and you might not even need to secure it with property.
- The application takes just 10 minutes, and you could see funding in just a few hours.
- Plus, if you want to make extra repayments, there are no penalties!
Fast & Flexible Funding
How Our Loan Calculator Helps You Plan
Get a clear picture of what your repayments could look like, with no impact on your credit score.
- Enter Your Loan Details
Start by entering how much you’d like to borrow-anywhere from $5,000 to $150,000. - View Your Estimated Repayments
Based on your inputs, the calculator instantly shows your estimated repayment amount and total payable over the loan term. - Fine-Tune Your Options
Try out different loan amounts, terms, or frequencies to compare repayment scenarios. - Apply with Confidence
Once you’ve found a repayment option that fits, you can jump straight into a quick online application or request a fast pre-approval—no property security required upfront.
Frequently Asked Questions
The calculator provides an estimated repayment amount based on the finance amount, term and interest rate you enter. It can help you compare different repayment scenarios before requesting a personalised quote.
No. The calculator result is an estimate for general information only. It is not a finance quote, credit approval or offer of finance. Final rates, repayments and terms will depend on the lender and the assessment of your application.
You can estimate repayments for a range of business finance options, including working capital, asset and equipment finance, vehicle finance, invoice finance and commercial property finance.
Enter the interest rate you would like to use for your estimate. The actual rate available to your business will depend on factors such as the finance product, amount requested, trading history, financial position and lender criteria.
Actual repayments may differ because of lender fees, repayment frequency, finance structure, security requirements, credit assessment and other product terms that may not be included in the calculator estimate.
No. Using the calculator does not submit a finance application or trigger a credit enquiry. A credit assessment may be required only after you formally apply for finance.
After reviewing your estimated repayments, you can request a personalised quote. The SME Money team can discuss your requirements and help you explore finance options that may suit your business.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote