Free NZ Calculator

Business loan calculator for NZ SMEs.

Estimate the repayments on a business term loan or working capital facility, including an optional establishment fee.

By Nick Sevta, fundr Limited (FSP1007390). Updated 12 October 2026.

Business Loan Calculator

Optional — reduces the amount you finance
Optional — added to the loan
Est. Monthly Payment
$1,673
Loan Amount
$50,000
Amount Financed
$50,000
Total Interest
$10,217
Total Repaid
$60,217

Figures are estimates only and not an offer of credit. Actual interest rates, fees and repayments vary based on your credit profile, lender approval and loan structure. The rate shown is illustrative. No credit check is performed when using this calculator.

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A worked example

Worked example: financing a $50,000 business loan over 3 years at an illustrative 12.5% a year, the repayment is about $1,673 a month. Total repaid is about $60,217, of which $10,217 is interest. Unsecured and short-term business loans usually carry higher rates than loans secured against an asset. Adding an establishment fee increases the amount repaid.

Illustrative monthly repayments on $50,000
Term11.5%12.5%14.5%
1 year$4,431$4,454$4,501
2 years$2,342$2,365$2,412
3 years$1,649$1,673$1,721

Illustrative figures only, calculated monthly in arrears with no fees. Not an offer of credit.

How business loan repayments work

Repayments are driven by the loan amount, the rate, the term and any fees added to the loan. Shorter terms mean higher repayments but less interest overall.

Secured or unsecured?

A loan secured against an asset typically has a lower rate than an unsecured one. If you are buying a vehicle or equipment, asset finance is often cheaper than a general business loan. See business loan vs asset finance.

Fees

Establishment and other fees vary by lender. Enter any fee that will be added to the loan to see its effect on your repayment. The calculator does not include fees paid separately.

Want a real number? Nick Sevta compares 15+ NZ lenders to structure the repayment that fits your cashflow. 15+ years in commercial finance.

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Frequently asked questions

How much are repayments on a $50,000 business loan?

On an illustrative 12.5% over 3 years with no fee, a $50,000 business loan is about $1,673 a month. Actual pricing depends on your business and the lender.

What can I use a business loan for?

Working capital, cashflow, stock, growth or acquisitions. If the funds are for a vehicle or equipment, asset finance may be cheaper.

How long does approval take?

It depends on the lender and the information provided. Nick will tell you what to expect once he has your details.

Does the loan need security?

Not always, but unsecured loans usually cost more. Secured options can reduce the rate.

Can I repay early?

Many lenders allow early repayment, sometimes with a fee. Check the terms before you sign.

Is this calculator a quote?

No. It is indicative only and is not an offer of credit.

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Business FinanceUnsecured Business LoansEquipment Finance CalculatorAll CalculatorsAll calculators

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Prefer to talk? Call Nick: 021 102 3416

fundr Limited, FSP1007390. Calculators are indicative only and are not an offer of credit or financial advice. GST and tax treatment depend on your circumstances; speak to your accountant.