Business Loan Calculator
Calculate your monthly business loan repayments, total interest and true cost of borrowing.
Loan details
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Compare business loan rates from leading UK lenders — no impact on your credit score.
Monthly repayments at common loan amounts
Term loan over 5 years. Click any row to load it.
| Loan amount | At 7% APR | At 10% APR | At 15% APR |
|---|
How it's calculated
Term loan: Fixed monthly payments are calculated using the standard amortisation formula. Each payment covers some interest (more early in the term) and some principal (more later).
Revolving credit: You only pay interest on what you've actually drawn. The calculator shows the maximum interest cost assuming full utilisation across the period.
APR is the standardised annual cost including the interest rate plus any compulsory fees. It lets you compare different loans on a like-for-like basis.
Frequently asked questions
UK business loans typically range from 5% to 20% APR depending on lender, borrower profile and loan type.
Yes. Lenders will assess your personal credit and business finances, often requiring a personal guarantee.
A legal commitment from a director to repay the loan personally if the business can't. Your personal assets are at risk.
Business loans are not regulated by the Financial Conduct Authority in the same way as personal loans. Always read the full terms and ensure repayments are affordable for your business.