Commercial Finance Calculator
Estimate your repayments on a commercial property loan, equipment finance or business loan. Adjust the loan amount, structure, rate and term — then speak to us for a personalised quote.
Estimate Your Commercial Finance Repayments Instantly
Commercial finance is more complex than a standard home loan — repayments depend on the type of security, your business profile, the lender’s appetite and whether you opt for a principal-and-interest or interest-only structure. This calculator gives you a solid starting point.
Enter your loan amount, choose your finance type and loan structure, then adjust the rate and term. For interest-only loans, you can also set an interest-only period to see how repayments change once the principal-and-interest phase kicks in.
Commercial lending typically requires a deposit of 20–35% for property, with approval timelines of 4–8 weeks for property finance and significantly faster for equipment and unsecured business loans. Speak to our team for a tailored assessment of your situation.
Commercial Finance Repayment Calculator
Adjust any field to see your estimated repayments update in real time.
Your finance details
$
$50k
$5.0M
% p.a.
3%
20%
Your estimated repayments
Estimated per month
$5,935
10 year term at 7.5% p.a.
Monthly
$5,935
Fortnightly
$2,739
Weekly
$1,370
Total interest
$212,211
Total payable
$712,211
This calculator provides indicative estimates only and does not constitute a loan offer, credit approval or financial advice. Commercial lending decisions involve assessment of the property type, security, business financials, serviceability and lender credit policy — all of which affect the rate and terms available to you. Actual repayments will vary. For a personalised commercial finance assessment, speak to a licensed finance broker. Bang On Investments Pty Ltd is a credit representative of a licensed Australian credit licensee.
“Bang On’s knowledge of commercial lending is second to none. They made what felt like a complex process far less painful — and got us terms we wouldn’t have found on our own.”
Josh R
What We Finance
We arrange commercial finance across a broad range of property types, equipment categories and business funding needs — from a single retail premises to a full commercial portfolio.
- Office & commercial buildings
- Retail & shopfront premises
- Industrial & warehouse facilities
- Medical & healthcare premises
- Equipment & machinery finance
- Unsecured business loans
- Commercial property refinancing
- Development & construction finance
How Commercial Finance Works with Bang On
From initial enquiry to settled finance — here’s what to expect.
1
Tell Us Your Requirements
Share the type of finance you need, the purchase price or refinance amount, and a brief overview of your business. We’ll ask the right questions to understand your full picture.
2
We Compare Your Options
Commercial lending varies significantly between lenders. We search 25+ banks and non-bank lenders to match you with the most competitive structure for your property type and business profile.
3
Tailored Approval
Commercial credit decisions involve your financials, security type and business history. We prepare your application and manage the back-and-forth with lenders to keep things moving.
4
Settlement & Beyond
We coordinate settlement and remain your ongoing finance partner — available when your circumstances change, when you’re ready to grow, or when it’s time to refinance.
“Fantastic to work with — they supported every step of our commercial property purchase. We felt like we had a genuine advocate in our corner throughout the whole process.”
Xanthe L
Frequently Asked Questions
How accurate is this commercial finance calculator?
The calculator provides indicative repayment estimates based on the figures you enter. Commercial lending is more nuanced than residential — the rate you’re offered will depend on the property type, your business financials, serviceability, loan-to-value ratio and the lender’s current appetite. Use this as a starting point, then speak to us for a personalised assessment.
What deposit do I need for a commercial property loan?
Commercial property loans typically require a deposit of 20–35%, depending on the property type, location, tenancy profile and lender. Owner-occupied commercial properties (where you operate your business from the premises) generally attract more favourable LVR conditions than investment commercial properties. Some lenders will consider additional security to reduce the deposit required.
What is the difference between P&I and interest-only repayments?
With Principal & Interest (P&I), each repayment reduces your loan balance as well as covering the interest charge. With Interest Only, your repayments cover just the interest for a set period — your loan balance does not reduce during this time. Interest-only periods are common in commercial lending and investment structures, but the P&I repayments that follow are higher as the same principal must be repaid over a shorter remaining term.
How long does commercial finance approval take?
Commercial property finance typically takes 4–8 weeks from application to settlement, depending on the complexity of the deal, the lender’s assessment requirements and whether valuations are required. Equipment finance and unsecured business loans can often be approved within 24–72 hours. We’ll give you a realistic timeline at the outset and keep you informed throughout.
Can Bang On help with refinancing existing commercial debt?
Yes. Refinancing commercial property or business debt is one of the most effective ways to reduce your interest costs, free up cash flow or restructure your repayments. We review your existing arrangements, compare the market and identify whether a switch makes financial sense — factoring in any break costs, establishment fees or LVR changes that may apply.
Ready to Discuss Your Commercial Finance?
Use this calculator as your starting point, then speak to our team for a personalised commercial lending assessment — from 25+ banks and non-bank lenders, tailored to your business and property profile.