Business loan calculator: estimate your repayments and find a competitive rate
Use our business loan calculator to estimate your monthly repayment, the total cost and an indicative rate, for funding needs from EUR 10,000 to EUR 50 million. Buying a shop or a business, commercial premises, a franchise, equipment, refinancing… our experts support you from structuring the project through to drawdown of the funds.
Our business loan calculator gives you, in a few seconds, an estimate of your monthly repayment, the total cost of credit and an indicative rate, based on the purpose, amount and term of your project. Free and with no obligation, it helps you frame your funding need before we put you in touch with the most suitable lenders. The estimate is indicative and has no contractual value: actual rates depend on your company's profile and the lenders approached.
How does the business loan calculator work?
Choose the purpose and the amount
Select the purpose of the financing and enter the amount you are looking for (from EUR 10,000 to EUR 50 million).
Adjust the term and the rate
Change the repayment term and the rate to refine the estimate.
Get your estimate, then offers from lenders
The calculator shows your monthly repayment and the total cost. You can then ask to receive the most suitable offers from our partner lenders.
Why choose us?
A broker with one of the widest lender networks on the market
We negotiate with more than 7,000 lenders to obtain the best terms available for your project.
A fast response
First response in under 24 hours, so that your funds can be released as quickly as possible to get your project started.
End-to-end support
From structuring the project through to drawdown of the funds, our experts guide you at every step.
Understanding business finance before you commit
Before applying for a business loan, it pays to define your funding need, anticipate the real cost of credit and identify the type of finance best suited to your project. This guide accompanies your simulation and helps you hold productive discussions with lenders.
The types of business finance you can simulate
Our calculator covers the full range of business funding needs, whatever the company's stage of development.
Acquisition finance
Buying a company or its shares, a business's goodwill (fonds de commerce) or commercial premises, or taking over a franchise: these deals are usually financed with an amortising term loan over 5 to 7 years, sometimes combined with senior debt or mezzanine debt for the largest amounts.
Equipment finance and leasing
Machinery, vehicles or production equipment can be financed with a conventional loan or through leasing (asset finance), which protects your cash flow by spreading the cost and keeping an option to buy at the end of the contract.
Working capital finance
Several solutions can cover your working capital requirement: an arranged overdraft, a revolving credit facility, invoice finance (factoring: funding against your customer invoices) or stock finance. They provide short-term flexibility.
Refinancing and debt restructuring
Consolidating several loans, renegotiating a rate or extending a term can reduce your monthly repayments and restore your capacity to invest. Refinancing is assessed case by case, depending on your profile and market conditions.
How are your monthly loan repayments calculated?
Capital, term and rate: the three levers
Your monthly repayment depends on the amount borrowed, the repayment term and the annual interest rate. A longer term lowers the monthly repayment but increases the total cost; a shorter term does the opposite. Moving the sliders in the calculator shows the effect of each parameter instantly.
Indicative rate, APR and total cost of credit
The rate shown is indicative and reflects market ranges. The APR (annual percentage rate, known in France as the TAEG) also includes arrangement fees, insurance and security costs: it is the APR that reflects the real cost of your financing. The total cost of credit is the sum of the interest paid over the whole term.
The effect of your own contribution and security
A personal contribution, a personal guarantee, a pledge or a mortgage reassures the lender and often helps secure a better rate. The lower the perceived risk, the more favourable the terms offered.
Preparing your business loan application
Documents to gather
Have ready your last three sets of annual accounts, a financial forecast, a business plan, recent bank statements and, depending on the project, a sale agreement or a letter of intent. A complete file significantly speeds up the lenders' review and response.
The criteria lenders assess
Lenders look at your repayment capacity, the company's profitability and financial strength, the consistency of the project, your own contribution and the security offered. A well-prepared application improves your chances of approval and shortens lead times.
Business loan calculator: frequently asked questions
Is the business loan calculator free?
Yes, the simulation is entirely free and with no obligation.
Are the rates shown contractual?
No. They are indicative, based on market ranges, and vary according to the company's profile and the lenders approached.
What amounts can I simulate?
From EUR 10,000 to EUR 50 million, depending on the purpose of your financing.
How quickly will I hear back?
Within 24 hours of your request.
How is the rate determined?
It depends on your company's profile, the purpose and term of the financing, and the partner lenders approached.