See How a Secured Loan Fits Your Cash Flow
Securing a business loan against property, vehicles or equipment can unlock sharper rates and longer terms — but you still need to know what repayments look like and how much interest you'll pay over time. This calculator estimates repayments and total cost so you can see how it fits your cash flow and assets.
Who it's for
Business owners considering a loan secured by property or other assets who want a clear view of repayments, total interest and how much they can comfortably borrow based on their preferred term and rate.
What it calculates
Estimates regular repayments (weekly, fortnightly or monthly), total interest and total amount repaid over the life of a secured term loan, and lets you flex amount, rate and term to see how each lever changes affordability.
Why it matters
Secured loans usually offer lower rates and higher limits than unsecured options, but longer terms and bigger balances can still strain cash flow. Modelling the numbers upfront helps you pick a structure that supports growth without over-committing.
Secured Term Loan Calculator
Loan details
How much you plan to borrow (secured against property, vehicles or other assets).
Indicative secured rate — actual pricing depends on security and profile.
Typically 1–15 years for a secured business term loan.
Fees
Affordability lens (optional)
Once it works on paper, get tailored quotes.
Once you've found a secured loan structure that looks affordable, the next step is to get tailored quotes based on your security, trading history and growth plans.
How this Secured Term Loan Calculator works
You enter a proposed loan amount, secured interest rate, term, fees and repayment frequency. The calculator applies standard amortisation formulas (with an optional interest-only period) to estimate regular repayments and total interest over the life of the loan. If you provide basic profit and existing-debt figures, it also calculates a simple debt-service ratio so you can see how comfortably repayments fit within your current cash flow.
PMT = P × r / (1 – (1 + r)–n)
Where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12) and n is the number of months in the P&I phase. If an interest-only period is selected, the IO phase charges P × r per month on the original principal, then a standard P&I repayment fully amortises the loan over the remaining term. Weekly and fortnightly repayments are derived from the monthly figure (× 12 ÷ 52 or × 12 ÷ 26).
How to interpret your results
- Low repayments and sensible total interest. A sign the structure may support your plans, especially if repayments sit comfortably within your profit and you're using security to reduce price without over-extending term.
- Comfortable repayments but high total interest. Stretching the term can make cash flow feel easier but significantly increase total cost. Consider whether a slightly higher repayment over a shorter term is worth the savings.
- Repayments near or above your comfort band. If repayments consume a large share of profit, that's a signal to re-think the amount, term, rate expectations or even whether more equity and less debt might be appropriate.
- Treat this as a guide, not an offer. Actual pricing, approved amounts and terms depend on your security, financials and lender assessment.
How to find a repayment that fits your budget
- Start from your monthly profit and decide what percentage you're comfortable allocating to loan repayments after covering essential expenses and buffers.
- Adjust loan amount and term until the estimated repayment falls inside that comfort band and your affordability indicator flips to green or amber rather than red.
- Compare a few scenarios (e.g. 3, 5 and 7 years) to see how much interest you'd save by repaying faster.
- Cross-check against your cash-flow forecast so you're not trading long-term savings for short-term stress.
Calculator assumptions
This calculator uses the standard annuity amortisation formula and assumes a constant interest rate across the full loan term. For interest-only structures, the IO phase is calculated as simple interest on the original principal, with the full principal then amortised across the remaining months. Establishment fees and ongoing monthly fees are included only when entered. Lender-specific calculation conventions (rounding, day-count basis, deferred fees, line fees, review fees, break costs) may produce minor differences from real offers. The rate and term you enter are the most influential inputs — and the least certain — so the most useful way to use this tool is to test multiple scenarios. This calculator does not constitute financial, tax or credit advice. Reviewed by the LoanGorilla editorial team — last updated May 2026.