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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 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.

Calculate your business loan repayments

Min $5,000 - Max $250,000
Min 12 months - Max 24 months

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

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 14.95% to 34.95% APR, and not a cent more in sneaky hidden fees. Use our business loan 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, ongoing fees or penalties for early repayment. 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, which is 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 any direct debit fees at all on our business finance, so these don’t appear in our business loan calculator.

Early repayment fees: If you’re ready to pay off your loan early, congrats! At Moula, we’ll be delighted to see you close out your business loan early, and we won’t punish you for this, ever. Many lenders in Australia charge a penalty for early repayment of a fixed-term loan or charge you interest on all the remaining business loan amount. Always read your loan agreement carefully and know what the loan terms and conditions are if you want to pay out early.

What’s the difference between 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 that reduce the amount outstanding over the term of the loan. 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, 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 loan 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 commercial 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 58 93.
For more information about pricing, see our Moula Fee Statement.

Get a repayment schedule

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