Know your numbers before you borrow.
Model instalments, interest and total repayment across our most popular facilities — in seconds. Then talk to a relationship manager about the right structure.
Estimate your repayments
Illustration only. Actual rates, fees and terms depend on assessment and are confirmed in a written offer.
Reducing balance vs flat rate.
Two loans with the same headline rate can cost very different amounts. Here's why — and what to ask before you sign.
Reducing balance
Interest is calculated on the outstanding balance each month. As you repay principal, the interest portion of each instalment falls. Instalments are typically equal (amortised), and total interest is lower than a flat rate at the same headline percentage.
Flat rate
Interest is calculated on the original loan amount for the full term, regardless of repayments. Flat rates look lower on paper but usually cost more overall. Always compare the total cost of credit, not just the headline rate.
Ask for the total cost
Request the full cost of credit — interest plus all fees — in writing before you sign.
Mind your DSCR
Keep total monthly debt repayments comfortably below the cash your business generates.
Protect the loan
Credit life and asset insurance protect your family and business if the unexpected happens.