UK business loan calculator
Standard amortising-loan math. Enter principal, rate and term to see monthly payment, total repayment and total interest. The calculator handles term loans; for MCA see the MCA factor calculator.
Numbers are illustrative. Actual offers depend on the lender\'s underwriting. Calculator does not factor in arrangement fees, broker fees or early-repayment penalties; ask the lender for the effective APR before signing.
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Tools for specific finance decisions. All free, all UK-specific.
- Affordability ratio DSCR-style check: does your cashflow comfortably cover the monthly repayment?
- Asset finance cost compare HP vs lease vs outright buy on the same asset. Total cost over the term.
- Working capital cycle Days sales outstanding plus inventory minus payable. Reveals short-term finance need.
- MCA APR converter Convert merchant cash advance factor rate to effective APR for term loan comparison.
- Revenue-based finance cost Turn an ecommerce flat fee and revenue share into an effective annualised cost and payback period.
- R&D advance estimator Estimate funds released against your next HMRC R&D tax-credit claim.
- Eligibility self-score 3-minute self-score against typical UK lender criteria. Surfaces likely declines.
- Bridging total cost Gross vs net, retained vs rolled vs serviced interest, true cost over actual days held.
- S455 director's loan bridge Overdrawn DLA: the 33.75% S455 charge vs a short-term bridge to clear it in time.
- DSCR calculator Debt-service coverage ratio: normalised EBITDA over total annual debt service, with a stress test.
- Blended cost of capital Weight a term loan, MCA and asset finance by principal into one blended APR. Flags the refinance.
- BBLS PAYG vs refinance Keep a Bounce Back Loan at 2.5% or refinance: differential cost vs strategic value break-even.
Confused by a term? Check the FundBiz glossary.