Business Loan Repayment Calculator

Our free business loan repayment calculator helps you plan and manage your business financing effectively. Whether you're operating in the United Kingdom, Australia, South Africa, New Zealand, Ireland, Malaysia, India, or other countries, this tool provides accurate calculations tailored to your location and currency.

Calculate your monthly repayments, total interest costs, and complete amortization schedules for business loans. The calculator supports standard repayment plans as well as balloon payment options, allowing you to explore different financing structures that may suit your business needs.

For businesses in Australia, you can compare rates from major banks including Westpac, ANZ (Australia and New Zealand Banking Group), Commonwealth Bank of Australia (CBA), National Australia Bank (NAB), and Bendigo Bank. In South Africa, First National Bank (FNB) rates are available. The calculator automatically adjusts default interest rates based on your selected country and bank.

The business loan repayment calculator with balloon payment feature is particularly useful for businesses that expect increased cash flow in the future. A balloon payment allows for lower monthly payments during the loan term, with a larger final payment at the end. This structure can help businesses manage cash flow while still accessing the capital they need.

You can also model extra payment scenarios to see how additional monthly payments or one-time lump sum payments can reduce your total interest costs and shorten your loan term. The calculator shows you exactly how much interest you'll save and how many months you'll reduce from your repayment period.

Export your complete payment schedule to Excel format for detailed financial planning and record-keeping. This feature is especially valuable for businesses that need to integrate loan repayment data into their financial models or share payment schedules with stakeholders.

Whether you're planning a new business loan, refinancing existing debt, or exploring different repayment options, this calculator provides the insights you need to make informed financing decisions for your business.