Business Loan Calculator
Before you commit to premises, equipment finance against property, or a working-capital facility secured on an asset, you want a clear view of the monthly cost. This calculator gives you a fast, honest estimate of repayments on a property-secured business loan, so the next conversation starts from real numbers rather than a guess.
A scope note first, because it changes which tool you need. Windsor Finance is a finance broker, not a bank. We arrange property-secured business and commercial finance through a panel of Australian bank and non-bank lenders. We do not arrange unsecured business loans, overdrafts, or standard owner-occupier home loans. This calculator is built for business owners buying premises, commercial investors, and borrowers raising business-purpose funds against property they own.
What this calculator estimates
The tool returns an indicative monthly and total repayment figure, not an approval. Enter the loan amount, an indicative interest rate, the term, and whether you want principal-and-interest or interest-only repayments. It applies a standard amortisation calculation and shows what the loan would cost each month, plus the total interest over the term.
Treat the result as a planning number. The rate you actually receive depends on the security property, the loan-to-value ratio (LVR), your business's trading position, and the lender's view of the deal. Indicative commercial property rates currently run roughly 6% to 9% per annum on stronger files, higher on complex or specialised security. The lender confirms the real figure on application.
Indicative only
- This produces a repayment estimate, not a credit decision.
- The lender confirms the real rate and figure on application.
- Windsor Finance is a broker, not a lender. Figures are placeholders.*
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Enter four things and read the result
Change one input at a time to see how it moves the cost. A longer term lowers the monthly figure but raises total interest. Interest-only cuts the monthly cost but leaves the balance to clear later.
The funds you need, whether that is buying premises, refinancing an existing facility, or raising business-purpose capital against a property.
Start with an indicative rate for your loan type. The tool is not quoting you a rate; it is showing how the rate drives the repayment.
Commercial property terms run anywhere from 3 to 25 years depending on the lender. Short-term and bridging facilities run in months, not years.
Principal-and-interest pays the loan down over the term. Interest-only keeps repayments lower while the facility runs, with the principal due at the end or on refinance.
Repayments are arithmetic. The rate behind them is not.
Here is what moves the number a lender will actually offer you.
Loan purpose and security
A clean commercial property with a strong tenant or a trading business behind it prices at the lower end. Specialised security, short-lease assets, or rural property price higher. Most business lending Windsor arranges is business-purpose finance secured on property.
Loan-to-Value Ratio (LVR)
Your deposit or equity sets the LVR. Owner-occupier commercial typically reaches up to around 70% to 75%, commercial investment closer to 65% to 70%, and specialised assets lower. A larger equity stake widens your lender choice and sharpens your rate.
Income evidence
Full financials get you the keenest pricing. If your real income does not show cleanly in two years of returns, low-doc and alt-doc lenders verify it through BAS, business bank statements, or an accountant's letter instead. That route prices a notch higher but keeps the deal alive.
Term and repayment structure
Interest-only periods help cash flow but cost more over the life of the loan. The calculator lets you test both so you can weigh monthly affordability against total cost.
Lender type
Banks, non-bank lenders, and private credit funds price the same deal differently. The gap between the cheapest and the dearest option on a single file can be several percentage points.
The same file, two different answers
Run the numbers through your own bank and you get one rate, shaped by one credit policy. That bank might cap your LVR, shade your business income, or decline a property type it does not like. You would never know a non-bank lender two doors down would have funded it cheaper or faster.
A broker checks the market. The same file one bank reads as marginal, a specialist lender may read as straightforward. We package the case once and place it with the lender most likely to say yes on rate, leverage, and speed, so you avoid the costly cycle of decline and re-shop. Windsor holds no own capital and earns nothing by steering you toward one lender over another. The recommendation follows the deal.
A few AU-specific points sit behind these numbers
- Business-purpose lending secured on commercial property is generally not regulated under the National Consumer Credit Protection Act. A signed business-purpose declaration is the standard evidence. This tool is built for that audience.
- Commercial LVRs run lower than residential. Lenders cap leverage tighter on commercial and specialised security, which is why your deposit matters more than on a home loan.
- Establishment fees, line fees, and valuation costs apply on top of the rate and are not shown in a repayment estimate. We disclose every cost in writing before you commit.
- Rates, fees, and LVR figures quoted here and in the result are indicative only. The lender confirms the final position on application after it sees the security and your business position.
The figure on screen is good for planning a budget
It is not a credit decision, and it cannot see the things that often shift the outcome: a non-bank lender with a different appetite, a low-doc route for income that does not file cleanly, or a structure that lifts your leverage and frees cash for the business.
That is the work a broker does. We take your real position to a panel of bank and non-bank lenders, return one or more indicative structures inside 24 to 48 hours, and tell you honestly what is realistic before you spend a dollar. Structuring and lender shortlisting cost you nothing.
Frequently asked questions
Does Windsor arrange unsecured business loans? +
What rate should I enter in the calculator? +
Can I borrow against a property to fund my business? +
Get a real business finance assessment
Book a 15 to 20 minute discovery call. Bring the property type and rough location, the loan size you are after, and a one-line plan for how the loan is repaid. We will look at the deal, talk through the likely lenders, and come back with indicative structures inside 24 to 48 hours.
Windsor Finance is a finance broker. We hold no own capital and approve nothing. Lenders approve and lend. The purpose of each deal is confirmed in writing before it proceeds. Every cost is disclosed in writing, up front, before you commit. Finance is arranged through a panel of bank and non-bank lenders.