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Business Finance

Business Loan Cost Calculator

EMI, total repayment and the effective annual cost of a business loan after processing fees.

Result

Formula

  • EMI as for a standard loan
  • Effective annual cost = internal rate of return of (Loan − Fees) received against the EMI stream, annualised

Assumptions

  • Upfront charges are deducted from the amount disbursed.
  • GST on fees, prepayment charges and insurance are not included.
Illustrative only. This calculator shows results from the inputs and assumptions above. It is not personalised professional advice and does not consider your specific facts. Rates were last checked on 9 November 2026.