Business Loan Calculators — Free Tools to Plan Your Funding
This page is the directory for all 23 of LoanGorilla's business loan calculators — nine standalone tools plus fourteen industry-specific tools embedded on the relevant product pages. Find the right tool for your situation, follow the workflows below, and go into your lender conversation with numbers — not guesses.
LoanGorilla compares business loans from 40+ lenders across Australia. See real rates, real repayments, no hard credit pull.
Compare Business LoansWhy run the numbers before you borrow?
Business loans are sold on monthly repayments and headline rates. Neither tells you what the loan really costs across its life, whether your cash flow can absorb the schedule when revenue dips, or whether the structure on offer is the right one for the job. The gap between a well-structured business facility and a poorly structured one can run to tens of thousands of dollars in extra interest, plus genuine operational risk if serviceability goes sideways.
These calculators are built to make the full picture visible: total cost, comparison across structures, the cash flow impact of holdbacks and discount fees, runway under pressure, and a serviceability rating before you commit. Use them as a filter before you start comparing lenders, then compare lenders with LoanGorilla once the structure makes sense on paper.
Business loans calculators — all 23 tools
Calculators with a "Standalone" tag have their own dedicated page. Embedded calculators sit inside the relevant product page — click through to find them in context.
| Tool | Type | Access |
|---|---|---|
| Business Debt Consolidation Calculator | Standalone | Open → |
| Business Borrowing Power Calculator | Standalone | Open → |
| Business Term Loan Calculator | Standalone | Open → |
| Secured Term Loan Calculator | Standalone | Open → |
| Equipment Finance Calculator | Standalone | Open → |
| Invoice Finance Cost Calculator | Standalone | Open → |
| MCA Holdback Impact Calculator | Standalone | Open → |
| Trade Finance Calculator | Standalone | Open → |
| Working Capital Runway Calculator | Standalone | Open → |
| Business Loan Stress-Test | Standalone | Open → |
| Overdraft Cost & Utilisation Calculator | Embedded | Open → |
| Unsecured vs Secured Loan Comparator | Embedded | Open → |
| Vehicle vs Finance vs Cash Comparator | Embedded | Open → |
| Trade Finance Landed-Cost Calculator | Embedded | Open → |
| Hospitality Seasonality & Buffer Calculator | Embedded | Open → |
| Healthcare/Vet Equipment ROI Calculator | Embedded | Open → |
| Manufacturing Working-Capital Cycle Calculator | Embedded | Open → |
| Retail Stock & Margin Stress-Test | Embedded | Open → |
| Agriculture Seasonal Cash-Flow Calculator | Embedded | Open → |
| Sole Trader Income Volatility Calculator | Embedded | Open → |
| Construction/Machinery Utilisation Calculator | Embedded | Open → |
| Fitness/Membership Break-Even Calculator | Embedded | Open → |
| Professional Services WIP & Debtor Days Calculator | Embedded | Open → |
| Bad Credit Refinance Pathway Tool | Embedded | Open → |
Start here — sizing and serviceability
These three calculators answer the foundational questions — what does the repayment look like, can your cash flow carry it, and how much runway do you actually have?
1. Business Term Loan Calculator
→ Open Business Term Loan CalculatorThe starting point for almost every business loan conversation. Enter a loan amount, interest rate and term — get back monthly repayments, total interest and a full amortisation schedule for an unsecured or working capital facility.
Use it when:
- You know what you want to borrow and want to model repayments at different rates and terms.
- You're comparing multiple loan offers and want to see total interest difference, not just the monthly figure.
- You want to stress-test your cash flow — what happens at 14% instead of 10%? At 2 years instead of 5?
Key features: Repayment frequency toggle; principal-vs-interest breakdown; term comparison.
Particularly useful for: Any business modelling a lump-sum loan — unsecured, working capital, or general expansion.
2. Business Borrowing Power Calculator
→ Open Business Borrowing Power CalculatorBefore you model repayments, find out how much you can actually borrow. This calculator runs both the bank DSCR method (1.25x debt-service cover with a 2% serviceability buffer) and the non-bank revenue method (10–30% of turnover) side by side, then highlights the binding constraint and the lender type that fits.
Use it when:
- You're early in the process and want a realistic capacity figure before you start shopping for lenders.
- You want to see whether a bank or a non-bank lender is more likely to deliver the amount you need.
- You want to understand which constraint — profit/serviceability or revenue — is actually limiting you.
Key features: DSCR vs revenue method comparison; trading-history haircuts; ATO debt and industry risk flags; recommended capacity verdict.
Particularly useful for: Any business sizing a new facility — start here before running repayment numbers.
3. Secured Term Loan Calculator
→ Open Secured Term Loan CalculatorIf you're offering commercial or residential property as security on a larger facility, this calculator models the repayments and total cost — with a built-in LVR check so you know whether your security position supports the amount you want to borrow.
Use it when:
- You have property to pledge and want to see the rate improvement on a secured facility.
- You're comparing secured vs unsecured borrowing on a $200K+ requirement.
- You want to confirm your LVR sits inside the lender's comfort zone before you apply.
Key features: LVR calculator; secured vs unsecured comparison; interest saving banner; term sensitivity.
Particularly useful for: Businesses with commercial or residential property to offer as security on larger facilities.
4. Working Capital Runway Calculator
→ Open Working Capital Runway CalculatorHow many weeks can your business keep running on the cash you have right now? This calculator answers that question, then shows how a working capital injection — overdraft, line of credit or term loan — extends the runway.
Use it when:
- You're heading into a quiet period and want to know how long your buffer lasts.
- An invoice isn't being paid and you need to model the impact on cash position.
- You want to size a working capital facility against an actual runway target — not guess at a round number.
Key features: Current cash position input; weekly burn rate; with / without funding scenarios; runway extension visual.
Particularly useful for: Businesses under cash flow pressure, or planning for seasonal or growth-driven working capital needs.
Compare structures — see what each option really costs
These four calculators help you choose between lending structures by translating quoted rates and fees into total cost on the same basis.
5. Equipment Finance Calculator
→ Open Equipment Finance CalculatorThree equipment finance structures — chattel mortgage, finance lease and term loan — side by side on the same asset. Compare total cost, monthly repayment and end-of-term position, with notes on balloon payments and tax treatment.
Use it when:
- You're buying equipment, machinery or a vehicle and aren't sure which structure suits you.
- You want to see the dollar cost difference between a balloon and a fully amortised facility.
- You're comparing a finance lease against ownership through a chattel mortgage.
Key features: Chattel mortgage vs finance lease vs term loan; balloon payment modelling; total cost comparison.
Particularly useful for: Any business buying equipment, machinery or vehicles and deciding which finance structure fits.
6. Invoice Finance Cost Calculator
→ Open Invoice Finance Cost CalculatorUnlocking the cash tied up in your unpaid invoices isn't free. This calculator translates discount rates and platform fees into a real cost-per-invoice and effective annualised rate, so you can compare invoice finance against a term loan or overdraft on like terms.
Use it when:
- You have long debtor days and want to see the cost of accelerating your receivables.
- You're comparing invoice finance against an overdraft or working capital loan.
- You want to model selective vs whole-ledger invoice finance across the same facility size.
Key features: Discount rate and fee inputs; effective APR conversion; per-invoice cost; alternative facility comparison.
Particularly useful for: Businesses with long debtor days or cash flow gaps caused by slow-paying clients.
7. MCA Holdback Impact Calculator
→ Open MCA Holdback Impact CalculatorMerchant cash advances are quoted as factor rates and daily holdback percentages — neither of which translate cleanly into a comparable cost. This calculator converts both into an effective APR and shows the daily impact of the holdback on your operating cash flow.
Use it when:
- You've been quoted a factor rate (e.g. 1.25x) and want to see what it means as an APR.
- You want to model the daily cash flow drag from the holdback against your normal sales pattern.
- You're comparing an MCA against a term loan and need an apples-to-apples cost figure.
Key features: Factor rate to APR conversion; daily holdback impact; total repayment cost; term loan comparison.
Particularly useful for: Retail, hospitality and trade businesses evaluating an MCA against a term loan alternative.
8. Trade Finance Calculator
→ Open Trade Finance CalculatorFor importers and exporters, the cost of financing a single transaction can make or break the margin. This calculator models the financing cost across the trade cycle and folds it into a true landed-cost estimate per shipment.
Use it when:
- You're modelling the financing cost on a specific import or export transaction.
- You want to test whether your margin survives the trade finance cost at current rates.
- You're comparing trade finance against a working capital facility for the same purpose.
Key features: Trade cycle modelling; landed-cost estimation; FX consideration; margin impact view.
Particularly useful for: Importers and exporters needing to understand the financing cost per transaction.
Consolidate, refinance and stress-test
For loans you already have or are about to commit to — these tools find the savings other calculators miss and pressure-test the decision before you sign.
9. Business Debt Consolidation Calculator
→ Open Business Debt Consolidation CalculatorMultiple business debts across loans, credit cards, ATO debt and overdrafts is expensive and exhausting. This calculator shows what happens when you roll them into a single facility — and crucially, when consolidation doesn't work because extending the term costs more in total interest.
Use it when:
- You're carrying two or more business debts and want to see if consolidation saves money.
- You've been offered a consolidation facility and want to model the outcome before applying.
- You want to understand the term-extension trap before you commit to a longer schedule.
Key features: Multi-debt entry; consolidation rate and term inputs; monthly vs total saving; warning when consolidation costs more.
Particularly useful for: Business owners carrying 2+ loans, credit cards or ATO debt wanting to simplify and reduce cost.
10. Business Loan Stress-Test (Can My Business Afford This Loan?)
→ Open Business Loan Stress-Test (Can My Business Afford This Loan?)The final sanity check before you submit a formal application. The Stress-Test takes your current revenue, margins and proposed loan, then tests whether you can comfortably service the repayment at the rate you expect — and at rates 3–4% higher in case you don't get the best case.
Use it when:
- You're about to submit a formal application and want a final pressure test.
- You want to model the repayment at a worst-case rate, not just the headline rate you've been quoted.
- You want a clear 'comfortable / manageable / stretched / risky' rating on a proposed facility.
Key features: Revenue and margin inputs; rate sensitivity scenarios; serviceability rating; fee field for total cost view.
Particularly useful for: Any business before committing to a loan — the final sanity check before you apply.
How to use the calculator suite together
One calculator gives you a number. A sequence of calculators gives you a decision. Here are the most common scenarios and the tools that address each stage.
Scenario: I want to consolidate my business debt
Multiple repayments going out the door each month, or you suspect you're paying too much in total interest across the pile.
- Business Debt Consolidation Calculator → model what a consolidated facility looks like and how much interest you save
- Business Loan Stress-Test → confirm current revenue and margins can comfortably service the consolidated repayment
- Compare consolidation lenders on LoanGorilla → find the best rate for your profile
Scenario: I need to buy equipment or machinery
You know you need the asset. What you don't know is which finance structure makes the most sense.
- Equipment Finance Calculator → run chattel mortgage, finance lease and term loan side by side on the same asset value
- Business Loan Stress-Test → test serviceability at the rate you expect — and at a rate 3–4% higher
- Industry tool (construction, manufacturing, etc.) → use your industry's machinery utilisation or working-capital tool to confirm the asset earns its keep
Scenario: I'm worried about cash flow
Revenue is inconsistent, an invoice isn't being paid, or you're heading into a quiet period.
- Working Capital Runway Calculator → find out how many weeks of runway you have and how a funding injection extends it
- Invoice Finance Cost Calculator → if debtors are the problem, see the cost of unlocking your outstanding invoices
- Business Loan Stress-Test → confirm any new facility won't tip the cash flow position from uncomfortable to critical
Scenario: I'm in a specific industry
Hospitality, retail, agriculture, construction, healthcare or sole trading — your industry page has a calculator built specifically for how that sector generates revenue and uses its assets.
- Hospitality — Seasonality & Buffer Calculator → models revenue peaks and troughs against the working capital buffer you need
- Healthcare/Vet — Equipment ROI Calculator → calculates billable utilisation needed for clinical equipment to pay for itself
- Manufacturing — Working-Capital Cycle Calculator → quantifies cash tied up across the production cycle
- Retail — Stock & Margin Stress-Test → tests whether stock investment and margin can carry a proposed facility
- Agriculture — Seasonal Cash-Flow Calculator → plots seasonal income against repayment schedule to identify shortfall periods
- Sole Traders — Income Volatility Calculator → accounts for irregular income and gaps between jobs
Business Loan Calculators FAQs
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Compare Business LoansReviewed by LoanGorilla editorial team | Last updated: May 2026
All calculator results are estimates for general guidance only and do not constitute a quote, pre-approval, or personal financial advice. Actual loan costs depend on your business's trading history, revenue, credit profile, security, applicable fees, and the lender's current product terms. LoanGorilla compares business loans from 40+ lenders as of May 2026. WARNING: Comparison rates are true only for the example given and may not include all fees and charges.