The Simple Business Finance Calculator
Prepare, Plan, Evaluate, Compare Options with Easy-use Business Finance Calculator. Estimate Your Business Finance Requirements Now!
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Easily Compare Lenders, Rates, Credit Facilities – Versatile Business Finance Calculator
Our calculation device provides a quick and easy way to compare lenders by comparing repayments based on their interest rates. Comparisons can be made on asset acquisition loan products including Lease, Chattel Mortgage, CHP and Rent-to-Own, as well as secured and unsecured loans and overdrafts. The functionality of the device allows for operators with all types of set-ups to calculate estimates on the financing they require – sole traders, SMEs, large companies, partnerships, family operations, and trusts.
While interest rates are individually offered following a lender assessment of the loan application, our latest rates can be used as a guide. To compare another rate from another lender, simply change the rate value.
Start comparing or contact us for your specific rate.
Securing the lowest rates is key to securing the most affordable loans. With rates varying across the commercial lending sector, we assist business operators to quickly secure those all-important lowest interest rate loans. Our expert brokers handle loan requests individually and source the best rates from our vast 80+ lender base. Our lenders include the major banks, other banks, finance companies, and very importantly, non-bank lenders, some with specific industry specialties. To use our expertise to find your best interest rates from the most suitable lender, request a quote now.
- Estimate repayments for Lease, Chattel Mortgage, Rent-to-Own, CHP, Business Loans.
- Easily compare lender interest rates.
- Commercial loan calculator to suit all types of businesses.
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Still making financial and acquisition decisions based on instinct and guesstimates? Easily adopt a more professional approach and obtain greater certainty for major decisions around your operation’s finances with our commercial loan calculation device.
An invaluable tool to quickly obtain repayment estimates on all types of loans, compare lender interest rates, compare asset makes and models, and to generate figures for budgeting and assessing the potential cost-effectiveness of acquisitions. Providing business owners with the information required to make more informed decisions.
Fast and convenient, our loan estimating device is easily accessible 24/7 online. To support the device, our expert broker services are available to provide prompt, individual attention for quotes on your commercial credit requirements.
Simply Calculate Business Finance - from Quick Repayment Estimates to Invaluable Budgeting Data
Our versatile calculation device can be used to calculate repayment estimates on all types of assets to be used in a business – motor vehicles, trucks, plant, machinery and equipment. Repayment estimates on the price, or loan amount required, on new and used assets can be calculated in seconds. Enter the figures required for the financing – the loan amount which may be 100% of the purchase price with attachments and extras included if required; the interest rate for the choice of credit facility; preferred term and balloon, and the repayment is displayed. While rates, loan amounts and terms are subject to lender approval, the estimates can provide valuable intel for asset acquisition decisions.
Using the calculation device can simplify the process of preparing asset investment budgets. Delivering business owners and decision-makers with more meaningful figures to work with. The price of any asset can quickly be changed to estimated repayments. If budgeting for investments down the track, allowances can be made in the calculations for say rate or asset price changes. Different figures can be entered to obtain different results. Allowing decision-makers access to a range of figures to factor into their planning. For specific figures, contact us for a quote.
A clearer picture of asset financing options can be obtained by using the calculation device to work up preferences for loan structure. All fields can be changed to obtain different outcomes to compare. The term can be changed in line with expected ownership cycles or with ROI targets. Balloons can be changed to deliver different, possibly more workable, monthly repayments. When opting for a balloon, this value should not be deducted from the loan amount. The loan amount itself can be changed to reflect using existing assets as trade-ins or if considering making a deposit. Having loan structure preferences established prior to briefing one of our brokers to source your financing may shorten the time to obtain a quote based specifically on your requirements. Start establishing your loan preferences now!
Considering commercial loans to purchase inventory, cover cash flow shortages, acquire supplies, pay for non-asset purchases? When considering taking on commercial loans – Overdrafts, Lines of Credit, Secured and Unsecured Loans, key to the decision may be the cost-effectiveness. Is it more cost-effective to take on financing or cover the costs from existing funds? Are the repayments workable with current cash flow? Using the device to compare rates and generate estimates may provide useful information to assess against cash flow projections, return and turnover to support decisions.
For many businesses, an investment in new assets – vehicles, equipment, machinery – can present a range of decisions to be made. The final purchase choice can come down to affordability. The device allows buyers to easily compare estimated repayments on the full range of makes and models under consideration. Simply enter the different prices as the loan amount while leaving rates, terms and balloons constant, to quickly generate loan repayment estimates to compare. If purchasing machines with optional attachments, work up different outcomes based on including these options. Changing the interest rate also allows operators to compare Leasing with Chattel Mortgage and CHP, or Leasing with Rent-to-Own. Start generating your comparisons to assist with your purchase decisions.
Calculate Loan Repayment Estimates for Trucks, Vehicles, Plant, Machinery, Equipment
Our versatile calculation device can be used to calculate repayment estimates on all types of assets to be used in a business – motor vehicles, trucks, plant, machinery and equipment. Repayment estimates on the price, or loan amount required, on new and used assets can be calculated in seconds. Enter the figures required for the financing – the loan amount which may be 100% of the purchase price with attachments and extras included if required; the interest rate for the choice of credit facility; preferred term and balloon, and the repayment is displayed. While rates, loan amounts and terms are subject to lender approval, the estimates can provide valuable intel for asset acquisition decisions.
Generate Meaningful Figures for Budget Preparation
Using the calculation device can simplify the process of preparing asset investment budgets. Delivering business owners and decision-makers with more meaningful figures to work with. The price of any asset can quickly be changed to estimated repayments. If budgeting for investments down the track, allowances can be made in the calculations for say rate or asset price changes. Different figures can be entered to obtain different results. Allowing decision-makers access to a range of figures to factor into their planning. For specific figures, contact us for a quote.
Structure Asset Acquisition Financing Preferences
A clearer picture of asset financing options can be obtained by using the calculation device to work up preferences for loan structure. All fields can be changed to obtain different outcomes to compare. The term can be changed in line with expected ownership cycles or with ROI targets. Balloons can be changed to deliver different, possibly more workable, monthly repayments. When opting for a balloon, this value should not be deducted from the loan amount. The loan amount itself can be changed to reflect using existing assets as trade-ins or if considering making a deposit. Having loan structure preferences established prior to briefing one of our brokers to source your financing may shorten the time to obtain a quote based specifically on your requirements. Start establishing your loan preferences now!
Assess Cost-effectiveness of Taking on Commercial Loans
Considering commercial loans to purchase inventory, cover cash flow shortages, acquire supplies, pay for non-asset purchases? When considering taking on commercial loans – Overdrafts, Lines of Credit, Secured and Unsecured Loans, key to the decision may be the cost-effectiveness. Is it more cost-effective to take on financing or cover the costs from existing funds? Are the repayments workable with current cash flow? Using the device to compare rates and generate estimates may provide useful information to assess against cash flow projections, return and turnover to support decisions.
Compare Makes, Models, Financing Options
For many businesses, an investment in new assets – vehicles, equipment, machinery – can present a range of decisions to be made. The final purchase choice can come down to affordability. The device allows buyers to easily compare estimated repayments on the full range of makes and models under consideration. Simply enter the different prices as the loan amount while leaving rates, terms and balloons constant, to quickly generate loan repayment estimates to compare. If purchasing machines with optional attachments, work up different outcomes based on including these options. Changing the interest rate also allows operators to compare Leasing with Chattel Mortgage and CHP, or Leasing with Rent-to-Own. Start generating your comparisons to assist with your purchase decisions.
Quickly Access Valuable Decision-Making Info with Business Finance Calculator
- Prepare budgets with loan repayment figures.
- Compare machinery, equipment, vehicle models.
- Assess cost-effectiveness of investments.
- Establish a loan structure that works with cash flow, ROI.
- Generate loan information on-the-go – auctions, dealerships, field days.
How do operators use a calculator for business finance? Simply, Free-of-Charge
Taking on commercial loans may sound daunting to some operators. But using our calculating device to work out figures for commercial loans is certainly not difficult. It’s easy and fast. With all fields, the user has total control over the amounts they enter, while the device carries out all the complex computations.
The total required for the loan may be the price of the goods for asset financing or the amount required for other loans. The interest rate will be the one for the choice of loan product. Rates will vary based on individual applications. To generate estimates, use our latest rates.
Terms on commercial loans can vary. Enter the term preferred for the loan as a starting point. This can always be changed to generate a different result. The balloon is an option with Commercial Hire Purchase and Chattel Mortgage. It is widely used and allows businesses to set aside a percentage of the loan required to be paid in full at the end of the term. Enter the preferred value but do not subtract this from the loan total. The device carries out that calculation when delivering the estimate.
Estimates for monthly repayments are displayed. If not in the ballpark, or if comparing options, enter a completely different set of figures or change one or two.
It’s that simple so why not start your first estimate now.
- Fast, functional, free-to-use.
- Simple to use, basic online functions.
- Get repayment estimates in seconds.
Follow-up Business Finance Calculator Use with Our Quick Quotes, Fast Approval Expert Loan Service
After calculating estimates, whether the result is in your ballpark expectations or not, follow-up with our commercial loan experts for your quote. We’re specialist brokers and individually source the best rates and most workable solutions from our 80+ lender base. Individually negotiating to ensure rates, terms, and repayments best meet the requirements of each customer.
Many operators can receive their loan approval within 24 hours and we’ll follow-up to ensure settlement is prompt. For expert, personal service for your commercial loan requirements, upload your details or speak with one of our brokers today.
Most Frequently Asked Questions About Business Finance
Do I need to allow for GST in the repayments generated with a business finance calculator?
GST is not included in repayments generated using an online loan calculation device. GST applies to Rent-to-Own and Lease payments, but not to Chattel Mortgage, CHP and other commercial loans. Lenders will add the GST where applicable, when a loan arrangement is confirmed.
Can a business finance calculator be used to calculate unsecured business loans?
Yes. To calculate repayment estimates on unsecured commercial loans using an online tool, enter the amount required, interest rate sourced from the provider of the tool, and preferred term. The monthly payment estimate will be displayed.
What type of loans can be calculated with an online business finance calculator?
All types of commercial loans can be estimated using an online financing tool. These are generic devices which allow for the computation of monthly repayments based on the figures entered by the user. Enter the appropriate interest rate for type of loan required with loan amount and term.
What is the balloon field for on an online loan calculator?
A balloon is a percentage of the financing total, ex interest, which is set aside to be finalised after the last monthly payment is made. This feature is an option with Commercial Hire Purchase and Chattel Mortgage.
What is the correct interest rate to use to get estimates on an online calculator?
Interest rates are offered by lenders following an assessment of the business’ financials, credit profile and loan application. For the purposes of obtaining loan estimates, calculation device users can calculate the interest rate for the relevant loan, as displayed by the provider of the device.
How can I compare loans for different trucks using a calculator?
To compare loan payments on trucks with different prices, enter the price of the vehicle as the loan amount and generate the first estimate. Then change the loan amount to the price of another vehicle and leave the rate and term the same. A different payment estimate will be displayed.
How do I compare a secured with an unsecured business loan on an online calculator?
Interest rates are different for secured and unsecured loans. To compare secured and unsecured loans using an online calculation device, enter the interest rate for a secured option and carry out the first calculation. Then enter the rate for an unsecured loan and carry out that calculation. Note the repayments for comparing.
Can used machinery loans be calculated with an online finance tool?
Used machinery loans may attract a different interest rate, terms and loan totals to new equipment. Bearing that in mind, loan estimates for used machines can be calculated using the rates displayed by the device provider or a rate sourced from another lender.
Can self-employed contractors use a business finance calculator?
Yes. All commercial operators with an ABN can be eligible for commercial loans and eligible to use commercial loan estimating tools.
Will my loan have the same repayments that I worked out using a business finance calculator?
Online loan calculators are designed to calculate estimates only. Lender fees and charges are not included. The devices are generic and do not have the capacity to assess individual credit profiles and applications which may impact the rate offered. Any offer may differ from the calculated estimate.
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