Fundur Finance Hub: Business Finance & Loan Calculators
Understanding the true cost of commercial finance is the first step toward confident business growth. Whether you are looking to inject working capital, acquire heavy machinery, upgrade your commercial fleet, or leverage your daily card takings, our comprehensive suite of business finance calculators is here to help.
Use the interactive tools below to estimate your monthly repayments, calculate total interest, and plan your cash flow effectively before making an application.
Which Business Finance Calculator Do I Need?
At Fundur, we know that no two businesses are exactly alike. That is why our technology aligns your specific business to the most suited provider from our 300+ lender network within 30 seconds. To help you prepare, select the calculator that best matches your funding requirements:
1. Unsecured Business Finance Calculator
Ideal for working capital, expansion, or tax bills. This tool allows you to input your desired loan amount (from £10,000 to £2,000,000), adjust the repayment term, and set an indicative APR to see your estimated monthly commitments.
2. Asset Finance Calculator
If you are purchasing equipment, machinery, or technology, asset finance uses the item itself as security. Use this calculator to estimate the monthly cost of equipment leasing or hire purchase agreements, helping you spread the cost of depreciation over time.
3. Commercial Motor Finance Calculator
Looking to expand your fleet? From company cars to HGVs and vans, our motor finance calculator allows you to input the vehicle cost and your available deposit to calculate the remaining finance requirements.
4. Merchant Cash Advance (MCA) Calculator
Not your typical finance arrangement. An MCA is an advance on your future credit and debit card sales. Because it does not use a traditional APR, our MCA calculator uses a Factor Rate (typically between 1.10 and 1.50) to show you the total cost of finance and your estimated monthly clearance based on your projected card turnover.
Understanding Your Finance Estimate (Glossary of Terms)
To get the most out of our calculators, it helps to understand the terminology lenders use when issuing a quotation:
- Principal (Finance Amount): The actual amount of money you are borrowing from the lender, before any interest or fees are applied.
- Indicative APR (Annual Percentage Rate): The estimated yearly cost of borrowing the money, including interest and standard lender fees. Your final APR will depend on your business credit profile and trading history.
- Finance Term: The duration over which you agree to repay the facility (usually calculated in months).
- Factor Rate: Used exclusively in Merchant Cash Advances. Instead of an interest rate that compounds over time, a factor rate is a fixed multiplier applied to your principal amount from day one to determine the total repayable amount.
- Total Payable: The grand total you will pay back to the lender, combining your principal amount and the total cost of finance.
Answering Your Fleet Finance Questions
To help you make an informed decision, we have answered the most common questions UK SME owners ask when looking to expand their transport capabilities.
How accurate is a business loan calculator?
A business loan calculator provides a highly accurate mathematical estimate based on the inputs you provide. However, it is strictly indicative. The actual monthly repayment and APR offered to your business will depend on the lender's final underwriting process, your company's credit rating, and your trading history.
Does using a finance calculator affect my credit score?
No, using an online finance calculator does not affect your credit score. It is a completely anonymous tool for your own financial planning. Furthermore, when you apply with Fundur, we use "soft search" technology initially, which will not impact your credit file.
How is a Merchant Cash Advance calculated differently from a business loan?
A business loan uses an Annual Percentage Rate (APR) to calculate interest over a set term. A Merchant Cash Advance uses a "Factor Rate" (e.g., 1.25). You simply multiply the advance amount by the factor rate to find the total repayable amount. Repayments are then taken as a pre-agreed percentage of your daily card sales, meaning you pay back more on busy days and less on slow days.
Can I get business finance with no deposit?
Yes. Unsecured business loans and Merchant Cash Advances generally do not require a deposit. For Asset and Motor Finance, 100% funding (no deposit) is available depending on the asset type and your business credit profile, though providing a deposit will lower your monthly repayments.
What is a good APR for a business loan in the UK?
A "good" APR for a UK business loan varies heavily based on the current Bank of England base rate, whether the loan is secured or unsecured, and the risk profile of your business. As a broker with access to over 300 lenders, Fundur will always work to secure the most competitive rate available to you on the market.
Ready to See Your Actual Rates?
Our calculators are great for planning, but nothing beats seeing real, tailored offers.
Fundur is committed to exceeding client expectations and supporting businesses when their usual banks have failed to. We alleviate funding barriers using our seamless application technology to match you with the perfect lender.
Disclaimer: Fundur is a commercial finance broker, not a direct lender. The figures provided by these calculators are indicative estimates for planning purposes only and do not constitute a formal quotation or an offer of finance. All finance is subject to status and lender underwriting.