Calculator
Enter the amount, rate, term and arrangement fee to see the monthly repayment and what the borrowing costs in total.
Monthly repayment
£5,250
Total interest
£65,028
Total cost of borrowing
£70,028
Assumes a fully amortising facility with monthly payments. Interest-only or balloon structures will differ.
The monthly figure assumes a fully amortising loan — equal payments that clear both interest and capital by the end of the term. Most unsecured and secured term lending works this way.
Total cost of borrowing adds the arrangement fee to the interest. Comparing facilities on headline rate alone regularly leads companies to the more expensive option.
Interest-only, bullet and balloon structures carry lower monthly payments and a large final repayment. Bridging and development facilities are usually priced monthly and rolled up rather than amortised.
Invoice and asset finance are priced on drawn balances or per asset, so use the invoice finance calculator or ask us for a structured comparison instead.
Use the rate the lender charges on the balance, then add fees separately, which is what this tool does. APR compresses both into one figure and is less useful for comparing structures.
Yes. Several lenders will shape repayments around seasonal cashflow. It has to be agreed at credit approval, not afterwards.
Want the real numbers? Send us the requirement and we will come back with indicative terms from providers whose criteria fit. No upfront fees — charges are due only once funding is in place.
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