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Important Disclaimer & Assumptions
Assumptions: Assumes a standard commercial loan with fixed rate and term. Business loan rates and terms vary significantly based on security, business type, trading history, and lender policy.
General Disclaimer: This calculator is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory (Credit Representative 575841, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
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Business loan rates in Australia typically range from 5-15% depending on the loan type, security offered, and business profile. Secured business loans (backed by property) offer lower rates (5-8%), while unsecured loans are higher (8-15%+).
Common types include term loans, lines of credit, equipment finance, invoice financing, overdrafts, and commercial property loans. Each suits different needs - term loans for specific purchases, lines of credit for working capital, and equipment finance for asset acquisition.
Lenders typically assess your business revenue and profitability, time in business (usually 2+ years), credit history, available security, industry risk, and cash flow projections. Having strong financials and a clear purpose for the funds improves approval chances.
