Business loan calculator UK & free money tools for owners
Free financial tools for UK business owners — a business loan calculator, cash flow tool, interest and savings calculators to plan before you borrow.
Free business finance reckoners tae help ye plan
These calculators are free to use and need no account. They collect none of your details — everything runs in your browser. Built for company directors and sole traders, they help you weigh up interest, savings, working capital and cash flow before you make a decision.
Use them to sense-check the numbers behind everyday business decisions: the cost of carrying a balance, how a monthly contribution builds a reserve, where your money goes each month, and whether a repayment fits your cash flow. They are planning tools, not credit checks — nothing here affects your credit file or commits you to anything.
Interest calculator
See how much interest a balance earns or costs — simple vs compound, with the maths shown.
Appen the tool →Savings calculator
Set a starting amount, a monthly contribution and a rate, and see what it could grow to.
Appen the tool →Budgeting tool
A simple monthly budget for a director or a small company — income in, costs out, what is left.
Appen the tool →Loan affordability check
Before you borrow, check the real cost and whether the repayments fit your cash flow.
Appen the tool →Thinkin aboot a business loan?
If you are weighing up borrowing, start with the loan affordability self-check. It walks through the real cost of a Credicorp loan and checks it against your cash flow. It also lists cheaper options to consider first — the same honest advice we show before you apply.
From there, the business loan calculator below lets you model an amount and a term to see the indicative monthly repayment and total cost. If you would rather see the figures laid out, the Help Centre shows how much a business loan will cost — worked examples. Pair it with the budgeting tool and the cash flow numbers from your own accounts, and you can judge whether the repayments sit comfortably alongside payroll, stock and tax before you commit.
See the exact cost afore ye apply
Shift twa sliders — amount an term — an the calculator shaws yer hale repayment an ilka instalment. Nae sign-up, nae credit check, nae surprises.
Representative: borrow £200 for 30 days, repay £220. An early-settlement charge may apply.
- Ye borrae —
- Cost of borrowing —
- Hale repeyment —
- Ilka week payment
- —
- Representative APR
- —
Total cost has been capped at 100% of the amount borrowed.
Repeyment schedule
| Peyment | Awin | Amoont |
|---|
The dates are illustrative, coontit frae the day.
Interest accrues only on the drawn balance, charged daily. The minimum repayment per 14-day cycle is the greater of 10% of the drawn balance or £20. Paying only the minimum holds the drawing longer and produces a higher APR; the per-drawing 100% cap still binds.
- Amoont drawn —
- Cost of borrowing —
- Total for this drawin —
- Minimum repeyment
- —
- Representative APR (pay in full)
- —%
| Pey in fou | Pey juist minimum | |
|---|---|---|
| Representative APR | —% | —% |
| Hale interest | — | — |
| Total peyed back | — | — |
| Repeyment periods | 1 payment | — |
Pay-in-full assumes a single drawing held for the days above and repaid in one bullet — the cheapest way to use the facility in £ terms. Pay-only-the-minimum simulates actual amortisation if you only pay the £-or-percent minimum each cycle until the drawing is cleared or the 100% per-drawing cap binds. Note: the pay-minimum APR may look lower than the pay-in-full APR because the cost is spread over many more days — but the total £ cost is materially higher. APR is a comparison rate; the £ total is what your company actually pays.
Cost for this drawing has been capped at 100% of the amount drawn.
Repeyment schedule (waled pattern)
| Peyment | Awin | Amoont |
|---|
The dates are illustrative, coontit frae the day.
- Ye borrae —
- Fixed fee (6%) —
- Hale —
- Per peyment (— peyments)
- —
- Representative APR
- —
The flat fee has been capped at 100% of the purchase amount.
Peyment schedule
| Peyment | Awin | Amoont |
|---|
The dates are illustrative, coontit frae the day.
Common questions about these tools
Is the business loan calculator UK-specific?
Yes. All figures shown are in pounds sterling and the loan parameters reflect the Credicorp product for UK limited companies. The calculator models a short-term business loan repaid in weekly instalments — it is not a mortgage or personal loan calculator.
Do these tools send my figures anywhere?
No. Every calculator on this page runs entirely in your browser. No numbers you type are sent to Credicorp or any third party, and nothing is saved when you close the tab.
What is the cash flow tool useful for?
The budgeting tool acts as a simple cash flow tool for UK business owners: enter monthly income and your main outgoings, and it shows your net position. Use it alongside the loan affordability check to judge whether a repayment fits comfortably before you apply.
Can I use these tools for financial tools for business owners UK-wide?
Yes — the tools are available to any UK business owner. They cover interest, savings, cash flow and loan affordability. They are planning tools only and do not constitute financial advice.