Business loan calculator.
Estimate the monthly payment and total cost on a business loan before you borrow. Move the sliders to see how the amount, term and rate change the numbers, then compare real offers with no impact on your score.
Estimates only, for an amortising loan paid in equal monthly instalments. Real offers may use different structures, fees and rates, always compare the total cost shown on an actual offer.
Each payment covers interest first, then the balance.
For a standard amortising loan, each monthly payment covers the interest due that month plus a slice of the principal. Early payments are interest-heavy; later ones chip away more of the balance. The calculator uses the amount, term and annual rate to solve for a level monthly payment.
That is why the term does so much of the work. A longer term lowers the monthly payment but raises total interest. A lower rate cuts both.
Same payment, moving splitWhat this tells you, and what it does not.
A calculator is a planning instrument, not a quote. It is worth being clear about where the estimate stops and a real offer begins.
It assumes one simple shape
The figures describe an amortising loan paid in equal monthly instalments. That is the most common shape, and it is the only one this tool draws.
The rate is the one you chose
You set the annual rate on the slider. It is a scenario, not a price anyone has offered you. Real pricing is set per request against your business, never fixed across the market.
Real offers are structured differently
Arrangement and admin fees, weekly rather than monthly collection, variable rather than fixed pricing and early settlement terms all move the real number, and none of them are in this calculation.
Compare on the total cost
Two offers with similar rates can land very differently once fees and term length are counted. Always compare the total cost shown on an actual offer rather than a headline rate.
Capvant is a funding marketplace, not a lender. Every funding decision, amount and term sits with the funding partner and is subject to their approval.
The only way to know your real numbers.
The sliders answer a scenario. Competing offers on your business answer the actual question, which is exactly what Capvant lines up, side by side, without touching your credit score to look. You keep the amount and the term you have just modelled, and the pricing comes back from the partners it fits.
Pick the range you have just modelled and see which shapes come back for it. Looking is a soft search.
Know the payment before you commit to it.
One request brings back competing offers with the amount, the term and the total cost laid out, and looking leaves your credit score exactly where it is.
Free for borrowers. Looking has no impact on your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.
Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.