Model a property-backed business facility. Pick an asset class or choose Other for working capital, set the amount and term, and your repayment updates live.
Select an asset class above to load the estimated market rate.
The calculator applies an indicative rate for the asset class you pick, then amortises it over the term and repayment frequency you choose. It is a model, not a quote, and it does not run a credit check or touch your file.
A balloon or residual lowers the repayment now and leaves a lump sum at the end, so use it deliberately rather than to make a number look better. Whatever you leave at the end still has to be paid or refinanced.
Deposit or full invoice. You can put money down or fund the whole invoice. A deposit is a cashflow decision here, not a condition of approval.
The single biggest lever is security. As a general rule, where the facility is backed by property you should expect 6% to 9% p.a. Without property security, expect 9% to 13% p.a. If you own property and are willing to use it, the same purchase gets materially cheaper.
After that: how long the ABN has been trading, whether the asset is bought from a dealer or privately, and the asset itself. New and used are both funded, so used equipment is not the obstacle people expect.
These are indicative ranges for business finance, not an offer. Your rate depends on the deal and is subject to credit approval.
The single biggest lever on a business loan is property security. As a working rule, property-backed facilities price around 6% to 9% p.a. while unsecured and asset-only lending runs 9% to 13% or more. On a $300,000 facility over five years, that gap is worth hundreds of dollars a week.
The property does not need to be owned outright: lenders look at the equity position, so a home or investment property with an existing mortgage can still back a facility. With sufficient equity, trading history stops being the gatekeeper, and facilities run to $5 million and beyond. Model your number above, then read the property-backed lending guide for how the structure works.
As a working rule, property-backed facilities price around 6% to 9% p.a., against 9% to 13% or more for unsecured and asset-only lending. The exact rate depends on the equity position and the purpose.
No. Lenders assess the equity position, so a property with an existing mortgage can back a facility through a second mortgage structure.
No. It is an estimate so you can sanity check a purchase before you commit. A real quote comes back from the lender panel once we know the asset, the deposit and how long you have been trading.
No. Nothing here runs a credit check. Your file is only touched once you apply and give us permission.
Approvals come back as fast as 24 hours on straightforward deals. The things that slow it down are missing paperwork and private sales that need extra verification.
Yes. New and used are both funded, from dealers or private sellers. On used machinery, service history and hours matter more than age.
Leave your details and one of our partners will come back with an exact rate for your deal. No obligation. No automated responses.