Our Business Loan Calculator

Enter your finance type & desired loan amount
Enter a repayment term & see a monthly repayment estimate
No personal data needed to gain your estimate

Business loans open up a huge range of financial possibilities – from purchasing vital equipment and expanding business premises to supporting seasonal cash flow and hiring new staff. But, while the opportunity is exciting, understanding affordability and the impact repayments will have on your cash flow is crucial.

That’s why we offer a FREE business loan calculator tool; use it to get a fast estimate of what your monthly repayments may look like across different repayment periods so you can plan with confidence.

Note: Whilst this tool is useful for a rough estimate, that is all it is intended to be. For accurate loan amounts, please call us and explain your business needs.

Finance Calculator

Please note this is not a quotation for finance, this is for illustrative purposes only. The figures are available to UK incorporated businesses only. The value provided is intended as a guide only. For an accurate quotation please contact us.

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Understanding Our Calculator: Finance Types

Explore our finance types below to quickly see which loan best fits your purchase and how it affects terms, repayments, and eligibility:

Hard Asset (e.g. Vehicles, Machinery)

High-value, tangible items that retain resale value and can be used as security against finance, such as factory machinery. Lenders favour hard assets because they’re easier to value and resell if needed.

Soft Asset (e.g. IT Equipment, Office Furniture)

Tangible but lower-value items that depreciate faster and usually provide weaker security for lenders, such as laptops or desks. Soft assets are still financeable, but often on different terms.

Business Loan

A lump-sum or revolving credit facility – secured or unsecured – that you repay with interest over an agreed term; commonly used for cashflow, stock, expansion or one-off purchases. Terms, interest, and security depend on our lender assessment and the loan type.

Growth Guarantee Scheme (GGS)

A government-backed guarantee that helps lenders offer more favourable commercial loans to eligible businesses. Availability, eligibility limits, and scheme end-dates are set by participating lenders (such as ourselves) and the British Business Bank.

Business Van Finance

Vehicle finance specifically for commercial vans, available as hire purchase, lease purchase, finance lease, or contract hire – letting you spread cost, choose whether to own at the end, and tailor deposits/terms to your cashflow.

Our Finance Solutions

Business loans

Unsecured or secured loans for growth, working capital, or one-off investments.

Business Loans

Asset finance

Unlock the equipment, vehicles, or machinery your business needs to reach its goals.

Asset Finance

Explore Our Finance Solutions

Benefits of Using Our Business Loan Calculator

Discover Estimates in Less Than 60 Seconds: Instant numbers to help planning.
No Personal Details Needed: Get a quick read without entering sensitive info.
Adjustable Repayment Terms: Compare monthly costs for shorter or longer terms.
Informed Decision-Making: Use the figures to test affordability before you apply.
Free Callback Service: Like what you see? Click “Request a Call Back”, and one of our advisors will contact you for a no-pressure conversation.

How Does It Work?

Using our business loan calculator is very simple – as it should be! Here’s how it works:

Enter Loan Details: Amount, interest rate (or pick a suggested rate), and repayment term.
Review Your Results: The calculator shows a monthly repayment estimate and total cost over the term.
Click “Call Me Back”: If you want help refining the numbers, checking eligibility, or discussing lender options, request a callback and we’ll get in touch.

Why Choose Union Business Finance for a Business Loan?

At Union Business Finance, we’ve made it our mission to make a huge difference in the finance world. Here’s why our clients choose us for all their funding needs:

Flexible Financing

We tailor each of our finance solutions to your needs, so that you receive a package that truly works for you.

Fast Access to Finance

We act quickly so you don’t miss opportunities in a competitive market, with some of our solutions available same-day.

Large Panel of Lenders

We have strong relationships with over 104+ lenders, allowing us to find the most competitive terms for you.

Wide Range of Loans Available

We can arrange unsecured loans, secured loans, asset finance, merchant cash advance, and more.

Testimonials

"JS Power is in a unique and specialist market, and it requires like-minded companies to work with. Union Business Finance is a true asset to our company. SJ and his team take time to understand our products and, as importantly, our clients' needs. This type of relationship is paramount as it enables Union Business Finance to speak to various lenders on our client’s behalf to get the best deal available.

-Jonathan Searby - JS Power
"We have worked with Sujane at Union Finance for over four years, and our relationship has grown significantly during that time. Through Union Finance, we’ve been able to offer our clients a broad range of finance products, including equipment lending, commercial mortgages, and unsecured business loans. Service has always been a top priority for us, and Union Finance has consistently delivered"

- Mr Aravinthan - APT Accountants Ltd
"We have worked exclusively with SJ over many years, he is always prompt professional and eager to match the right product to our clients. He has become a trusted partner to STS Storage Systems and have no issues in recommending him to clients old and new"

- Mark Heard - STS Storage systems
"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd
"JS Power is in a unique and specialist market, and it requires like-minded companies to work with. Union Business Finance is a true asset to our company. SJ and his team take time to understand our products and, as importantly, our clients' needs. This type of relationship is paramount as it enables Union Business Finance to speak to various lenders on our client’s behalf to get the best deal available. Coupled with constant updates and outstanding client focus SJ and his team are the Go-To Finance Partner."

-Jonathan Searby - JS Power
"We have worked with Sujane at Union Finance for over four years, and our relationship has grown significantly during that time. Through Union Finance, we’ve been able to offer our clients a broad range of finance products, including equipment lending, commercial mortgages, and unsecured business loans. Service has always been a top priority for us, and Union Finance has consistently delivered"

- Mr Aravinthan - APT Accountants Ltd
"We have worked exclusively with SJ over many years, he is always prompt professional and eager to match the right product to our clients. He has become a trusted partner to STS Storage Systems and have no issues in recommending him to clients old and new"

- Mark Heard - STS Storage systems
"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

"JS Power is in a unique and specialist market, and it requires like-minded companies to work with. Union Business Finance is a true asset to our company. SJ and his team take time to understand our products and, as importantly, our clients' needs. This type of relationship is paramount as it enables Union Business Finance to speak to various lenders on our client’s behalf to get the best deal available.

-Jonathan Searby - JS Power
"We have worked with Sujane at Union Finance for over four years, and our relationship has grown significantly during that time. Through Union Finance, we’ve been able to offer our clients a broad range of finance products, including equipment lending, commercial mortgages, and unsecured business loans. Service has always been a top priority for us, and Union Finance has consistently delivered"

- Mr Aravinthan - APT Accountants Ltd
"We have worked exclusively with SJ over many years, he is always prompt professional and eager to match the right product to our clients. He has become a trusted partner to STS Storage Systems and have no issues in recommending him to clients old and new"

- Mark Heard - STS Storage systems
"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd
"JS Power is in a unique and specialist market, and it requires like-minded companies to work with. Union Business Finance is a true asset to our company. SJ and his team take time to understand our products and, as importantly, our clients' needs. This type of relationship is paramount as it enables Union Business Finance to speak to various lenders on our client’s behalf to get the best deal available. Coupled with constant updates and outstanding client focus SJ and his team are the Go-To Finance Partner."

-Jonathan Searby - JS Power
"We have worked with Sujane at Union Finance for over four years, and our relationship has grown significantly during that time. Through Union Finance, we’ve been able to offer our clients a broad range of finance products, including equipment lending, commercial mortgages, and unsecured business loans. Service has always been a top priority for us, and Union Finance has consistently delivered"

- Mr Aravinthan - APT Accountants Ltd
"We have worked exclusively with SJ over many years, he is always prompt professional and eager to match the right product to our clients. He has become a trusted partner to STS Storage Systems and have no issues in recommending him to clients old and new"

- Mark Heard - STS Storage systems
"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

Contact Us & Take Your Business to the Next Level

Learn more about how Union Business Finance could help you secure the right funding for your business.

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FAQs

How do I calculate how much money I need?

Start by listing the costs associated with the project: equipment, set-up, installation, working capital buffers, and any professional fees. Add a contingency (typically 5 to 15%) for unexpected costs. The total is the loan amount you should consider.

How is the interest rate calculated?

The calculator uses a simple annual interest rate applied to the outstanding balance to produce an indicative monthly repayment. Actual rates offered by lenders depend on factors such as your business credit profile, trading history, and whether the loan is secured.

How can I improve my chances of a successful application?

Provide clear accounts, show a realistic cashflow forecast, maintain a strong business credit score , and be ready with details about how the loan will be used. Using an independent finance broker (like us) who can match you to an appropriate lender can also increase success rates.

What information do I need when applying?

Although specific lender requirements may vary, the typical information needed for your loan application includes:

Business name and contact details
Trading history
Proof of income (bank statements or accounts)
Details of directors
Information about any security offered

Will checking my eligibility affect my credit score?

No, using this calculator or requesting an initial, soft eligibility check with us won’t affect your credit score. Full credit checks may be required later in the application process with your permission.

Does my business need to be UK-based to be eligible?

Yes, we can only arrange funding solutions for UK-incorporated businesses. All company directors need to be UK citizens or hold Indefinite Leave to Remain.

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Disclaimer

Aintu Ltd (Registered Company Number: 12139002. VAT Number: GB385130404) T/A Union Business Finance is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Aintu Ltd will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay. Aintu Ltd is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035. ICO Registration Number: ZA541243 Aintu Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below:

https://www.afsuk.com/asset-finance-solutions/contact/complaints-procedure/

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