Business loan calculator | Ecommerce Loans

Loan amount$100,000

$10K$500K

Interest rate (p.a.)18.0%

9.95%30%

Your actual rate depends on time trading, security offered and lender assessment.

Loan term24 months

3 months5 years

Monthly repayment $4,992/mo

Total repayment$119,818

Total interest$19,818

Facilities under $250,000 on our panel typically need no property security, just a director’s guarantee. See our unsecured business loans page for what that actually covers.

Indicative only. Ecommerce Loans is a finance broker, not a lender. Actual rates, fees and repayments depend on individual lender assessment.

What this financing actually costs you

Is this loan worth taking?

A repayment figure alone doesn’t tell you whether the finance is worth it. If you’re using this loan to buy stock or fund a specific piece of work, this compares the interest cost above against what you expect to make.

Gross margin on what you’re funding40%

5%80%

Selling price minus cost, as a percentage of selling price. Not sure? Work it out from a recent invoice.

Break-even: you need to sell this much of it 49.5%

Covers the interest cost Everything past this is profit

Amount financed$100,000

Interest cost over the term$19,818

Gross margin pool at 40%$40,000

How does the break-even work?

If the total interest cost is $27,836 and your margin is 40% of what you sell, you need $27,836 worth of margin to cover the finance, which works out to roughly 21.9% of what the loan bought. Sell more than that and the rest of the margin is profit; sell less and the finance cost the business more than it earned.

This is the same logic lenders like Wayflyer use for their own financing break-even tools, applied here against your own numbers rather than a single lender’s product.

When does this loan stop making sense?

If your break-even sell-through is above roughly 70-80%, the margin for error is thin, a slower month or a discounting push to move stock could mean the financing cost you more than you made. At that point it’s worth talking through whether a lower-cost structure, a longer term, or a different product entirely fits better before you commit.

Before you enquire

It uses standard loan amortisation math and the rate range genuinely quoted across our lending panel (9.95% to 30% p.a.). Your actual rate depends on time trading, security offered and how your bank statements read, so treat the result as a starting point, not a quote.

Usually not under $250,000, where security is typically a director’s guarantee. Above that, property security or a caveat becomes more common. See our unsecured business loans page for the full picture.

It’s the share of what you financed that you need to sell, at your margin, to cover the interest cost. Everything you sell beyond that point is profit; falling short of it means the finance cost more than it earned.

Most facilities under $250,000 fund in 24 to 48 hours once documents are provided. Larger or property-secured facilities take longer.

Want the exact numbers for your business? Get my options →

Andrew Beckett

Founder and principal broker, Ecommerce Loans. 10+ years in Australian SME, asset, trade and consumer lending across Shift, Iron Capital, Lumi and Lend, represented through CAFBA, FBAA and MFAA.

Call 0468 902 233