Business Loan Calculator

Calculate your business loan repayments

The information provided in the business loan calculator above is indicative only.

Clearly, a better way to borrow

We’re so passionate about transparent lending we created a business loan calculator. You can crunch our numbers and know exactly what your repayments will look like before applying for a business loan with us. And we never charge any sneaky hidden fees.

If you’ve been asking, “How much can my business borrow?” use our free business loan calculator to work out the total cost of a loan for your business ahead of time. Check out what your fortnightly repayments will look like at different interest rates, and then get a simple repayment schedule sent straight to your inbox. The business loan repayment calculator is free, and you can send yourself as many of these as you like.

How much does a business loan cost?

At Moula, we keep pricing simple. We charge a 2% origination fee for direct customers. Other than that, you simply pay back what you borrowed (principal), plus interest. Our business loan interest rates range from 15.99% to 35.99% APR. Also note, as with most commercial loans, these are fixed-rate loans. Use our business loan repayment calculator to get an estimate of loan interest and repayments.

What are the extra fees?

There are none. Nada. Zilch. No hidden fees.

Unlike with some types of loans and credit cards, we don’t charge any hidden fees. No direct debit fees or ongoing fees. We charge fixed interest rates, not variable interest rates, so you won’t get any unwelcome surprises that can make it difficult to manage your cash flow.

What business loan fees and charges should I look out for from other lenders?

Application fees: Many lenders charge an application fee, payable even if your loan application is declined.

Direct debit fees: Some lenders will charge you a few dollars every time you make a repayment. Although this may only seem like small change, a $3 direct debit fee can turn into hundreds – or even thousands of dollars – if your repayments are weekly or daily. We don’t charge direct debit fees at all on our business finance, so these don’t appear in our business loan calculator.

What’s the difference between a simple interest rate and APR?

Some business lenders use simple interest rates when advertising unsecured business loans. Simple interest is calculated as if the full loan amount is paid off in one payment at the end of the loan term. It doesn’t consider principal repayments. However, most business loans have regularly scheduled payments – such as fortnightly or monthly repayments – that reduce the amount outstanding over the loan term. So, presenting a simple interest rate hides the real cost.

The annual percentage rate (APR) is the rate used to calculate the true cost of a loan. For example, if you translate a small business loan quoted at 18.95% simple interest into APR and base it on fortnightly repayments – which is the repayment frequency for Moula business loans – the APR of the loan is actually 33.55%. To be transparent, we use APR for our small business loan calculator and when quoting interest rates for all other business lending products. When comparing business loans calculators in Australia, check if they are using simple interest rates or APR.

Keep in mind

We’ll never charge you more than the maximum amount shown by the small business loan calculator.
For an exact quote, please apply online.
Rates will vary based on your business situation, but we’ll give a quick answer when you apply.
The business loan repayment calculator and the results generated do not constitute an offer of credit from Moula.
To ask a real human some questions about a loan call 1300 88 09 72.
For more pricing information, see our Moula Fee Statement.

Fortnightly Period	Loan Repayment	Interest Capitalised	Interest Payment	Total Repayment
Princpal + Interest cost
Total