Quick calculators for commercial finance. Indicative only. Real rates and terms depend on your deal.
01 / 04
Repayments, total interest and total cost over the life of a commercial loan.
Slide between $50K and $20M, or type a precise amount.
Type for a precise value:
Type for a precise value:
Monthly repayment
$3,694.96
Total interest
$608,487
Total amount paid
$1,108,487
02 / 04
Monthly repayment and total cost on a chattel-mortgage-style asset loan, with optional balloon.
Vehicle, plant, equipment. The price including GST.
Slide to zero for no-deposit finance, or set what you'll put in.
Type for a precise value:
12 to 84 months.
Lump sum at the end of the term. Equivalent to 0% of the financed amount.
Monthly repayment
$2,051.65
Total cost
$123,099
Interest rate
8.50%
03 / 04
LVR percentage plus the maximum loan available at common 60/70/80% policy tiers.
Slide between $100K and $50M, or type a precise value.
Type for a precise value:
LVR
70.00%
Max loan @ 60%
$720,000
Max loan @ 70%
$840,000
Max loan @ 80%
$960,000
04 / 04
Indicative transfer duty on a non-residential acquisition, by state.
Slide between $100K and $50M, or type a precise value.
Stamp duty payable — QLD
$66,775
Three typical deals, run through the same arithmetic as the calculators above. Indicative rates — the lender, the asset and the file move every number.
A $500,000 commercial loan over 10 years at 7.5% p.a., principal and interest, repays $5,935 a month. Over the full term that is $712,211 — $500,000 of principal and $212,211 of interest. Held to term, the interest bill is roughly 42% of the amount borrowed, which is why the term matters as much as the rate.
A $150,000 excavator on a five-year chattel mortgage at 8% p.a. with a 30% balloon ($45,000) costs $2,429 a month, with the balloon due at term end — $190,741 all up, $40,741 of it interest. The same deal with no balloon costs $3,041 a month but only $32,488 in interest: the balloon buys $612 a month of cashflow for about $8,250 in extra interest.
A commercial property purchase at $2,000,000 with a lender policy cap of 70% LVR supports a maximum loan of $1,400,000, leaving $600,000 of equity to fund plus stamp duty and transaction costs. At a 60% cap — common for specialised assets — the maximum loan drops to $1,200,000.
Disclaimer
These calculators are for illustrative purposes only. Actual loan terms, rates and repayments depend on lender policy, your specific circumstances, and assessment. Not financial advice. For a real quote, apply now →
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