Business Loan Calculator
See what a UK business loan really costs.
Model monthly repayments, total interest and total cost of capital for any amount, term and rate. Instant, no sign-up, no credit footprint.
£50,000
£5,000£5,000,000
24 months
372
14.0%
435
Monthly repayment
£2,401
Total interest
£7,615
Total repayable
£57,615
Soft credit check · 2 minutes · No obligation
How the calculation works
The calculator uses the standard UK amortising loan formula. Each monthly payment covers interest on the outstanding balance plus a share of principal, so early payments are interest-heavy and later payments are principal-heavy. The total cost of capital is monthly repayment × number of months, minus the original amount.
Monthly = P × (r × (1+r)n) ÷ ((1+r)n − 1)
Where P is the loan amount, r is the monthly interest rate (APR ÷ 12) and n is the number of months. Real GD Capital offers also disclose any arrangement fee up front, so the total cost you see on the offer letter is the total cost you pay.
Typical UK rate ranges
| Facility type | Typical APR | Typical term |
|---|---|---|
| Secured business loan | 6% – 14% | 12 – 60 months |
| Unsecured term loan | 9% – 22% | 6 – 36 months |
| Short-term / bridging | 14% – 30% | 3 – 12 months |
| VAT / tax loan | 10% – 24% | 3 – 12 months |
| Bad-credit / recovery | 18% – 34% | 3 – 24 months |