Work out your monthly repayments before you apply
Use our commercial loan repayment calculator to estimate your monthly and total repayments
It’s a simple, interactive tool designed to help you understand what your borrowing could cost before you apply, whether you’re buying commercial premises or refinancing an existing loan.
Quick. Simple. Free.
Get an instant idea of your repayments, then speak with our experienced team to explore the best funding options for your business.
Commercial Mortgage Calculator
Loan Repayment Calculator
Enter your loan amount
Type in the amount you’d like to borrow (for example, £250,000).
Add your interest rate
If you know your likely rate, enter it here. If not, use 6.5% as a guide for commercial borrowing.
Select your term
Select the repayment term you prefer, ranging from 1 to 25 years. You can also add extra months if needed.
Click “Calculate Loan”
Instantly view your monthly repayment, total interest payable, and full loan repayment schedule.
Quick & Simple
Get instant repayment estimates with no credit checks with our easy to use calculator
Tailored to You
Adjust the loan amount, term and rate to help you budget, then download the schedule
Ready to Apply
Once you’ve found a comfortable repayment, speak with one of our advisers
Why Use Pinpoint Finance
At Pinpoint Finance, we go beyond the numbers.
We’re an independent, FCA-regulated mortgage and business-finance brokerage based in York, helping clients across Yorkshire and the UK.
With over 25 years of experience in commercial lending, we’ve built strong relationships with banks, challenger lenders and private funders — giving our clients access to flexible loan structures and competitive rates.
Whether you’re a sole trader, limited company or property investor, we’ll help you:
- Compare real-world lender options
- Review repayment profiles and loan schedules
- Understand fees, covenants and early-repayment terms
- Choose between fixed or variable rates
Our approach is straightforward; we help you make informed, confident borrowing decisions.
What Affects Your Loan Repayments
- Loan amount – Higher borrowing means higher repayments.
- Loan term – Longer terms reduce monthly payments but increase total interest.
- Interest rate – Even a 1% change can make a big difference to total cost.
- Fees – Lender, valuation and legal fees may apply (not included in calculator results).
- Repayment type – Most commercial loans are capital + interest; some are interest-only.
FAQs
Commercial Loan Calculator
It’s a tool that helps you estimate how much a commercial mortgage or loan will cost you each month, based on the amount, interest rate and term you choose.
No, the calculator shows an approximate repayment. Actual lender fees, arrangement charges and valuation costs may affect your final figures.
This version calculates standard repayment (capital + interest) loans. For interest-only terms, speak to us and we’ll tailor the numbers.
A business loan is typically unsecured and used for working capital or assets.
A commercial mortgage is secured on property and often used for premises or refinancing.
They’re for illustration only but give a realistic guide. We’ll confirm accurate repayments once we’ve sourced a lender quote.
Yes — after calculating, you’ll see a breakdown showing each month’s interest and capital repayment so you can plan ahead.
Commercial Mortgage Repayments
Next Steps
Once you’ve used the calculator, let’s explore the funding options that suit your business best.
We’ll compare lenders, discuss repayment terms and check eligibility before you apply — all without affecting your credit score.
Useful Links
Commercial Mortgage Calculator Disclaimer
The calculations provided are for illustration purposes only and do not constitute a formal loan offer. Actual interest rates, fees and terms will depend on your circumstances and lender criteria.
