What interest rates can I expect for a business loan in United Kingdom?

Business loan rates in United Kingdom depend on your credit score, business history, and loan type. Use our calculator to compare different rate scenarios.

How is the total cost of a business loan calculated?

Total cost includes principal, interest over the loan term, and any fees. Our calculator provides a complete amortization schedule so you can see the full picture.

United Kingdom calculator

Business Loan Calculator United Kingdom - 2025-2026

Our free business loan calculator helps you make informed financial decisions in United Kingdom. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on United Kingdom specific rates and regulations.

Loan Amortization Calculator

Generates a complete amortization schedule for a loan

Inputs

Loan Amount

Annual Interest Rate

Loan Term (Years)

Payments per Year

Results

Payment Summary

Payment per Period£2,027.64

Total Payment£121,658.37

Total Interest£21,658.37

Payoff Date2031-06-06

Amortization Schedule (60 payments)

Period 1P: £1,360.97 | I: £666.67 | B: £98,639.03

Period 2P: £1,370.05 | I: £657.59 | B: £97,268.98

Period 3P: £1,379.18 | I: £648.46 | B: £95,889.80

Period 4P: £1,388.37 | I: £639.27 | B: £94,501.43

Period 5P: £1,397.63 | I: £630.01 | B: £93,103.80

Period 6P: £1,406.95 | I: £620.69 | B: £91,696.85

Period 7P: £1,416.33 | I: £611.31 | B: £90,280.52

Period 8P: £1,425.77 | I: £601.87 | B: £88,854.75

Period 9P: £1,435.27 | I: £592.37 | B: £87,419.48

Period 10P: £1,444.84 | I: £582.80 | B: £85,974.64

Period 11P: £1,454.48 | I: £573.16 | B: £84,520.16

Period 12P: £1,464.17 | I: £563.47 | B: £83,055.99

Business Loan Costs in United Kingdom

Calculate monthly payments, total interest, and overall cost of business loans in United Kingdom. Enter the loan amount, interest rate, and term to see your repayment schedule.

United Kingdom SME Financing

Small and medium enterprises in United Kingdom have various financing options. Our calculator helps you compare different loan structures and find the most cost-effective solution for your business.

Compare Business Loan Calculator

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Last Updated: June 2026 — Reviewed Against Official Sources

Official Sources

United Kingdom calculators use data from the following official government agencies:

HM Revenue & Customs (HMRC) — Income tax bands, National Insurance rates, and pension allowances.
Office for National Statistics (ONS) — UK earnings data, CPI inflation, and economic statistics.
MoneyHelper (UK) — Pension guidance, mortgage advice, and financial literacy resources.

Methodology

Our UK calculators use tax bands, National Insurance rates, and contribution limits published by HMRC. Salary and economic data comes from the Office for National Statistics (ONS). Mortgage calculations use average UK interest rates and may vary by lender and individual circumstances. All figures are for educational purposes.

Data Sources

All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.

Last updated: June 2026. Information may change; always verify with official sources.