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Business Loan Repayment Calculator
Want more flexible loan repayments? We can help.
Funding up to $2M.
Get a quoteHow funding works Unlock your business potential
When it comes to managing your business finances, understanding loan repayment terms is essential.
At Fifo Capital, we go beyond generic calculators and one-size-fits-all approaches. We offer personalised solutions with flexible repayment terms, to meet your specific financing requirements.
When it comes to financing, generic calculators may fall short in providing the personalised guidance and support your business deserves.
Get a personalised quote
Pre-approval up to $2M in 24 hours*
Our financing is tailored to your unique needs, going beyond traditional loans, so we need to work with you to start the process.
To begin, simply submit your details and our team will reach out and work with you to find the right solution, providing pre-approval in just 24 hours.*
Good businesses need better finance
Streamlined loan process
We understand that time is a precious resource for SME owners.
We expedite the process and work with you to deliver pre-approval 24 hours, and work our flexible payment terms to meet your needs.
This prompt service allows you to plan your finances effectively and make well-informed decisions for the growth and success of your business.
Partnering with SMEs for greater certainty
We understand that every business has unique cash flow cycles, and that’s why we offer flexible payment options tailored to your specific needs.
Whether it’s weekly, monthly, or customised repayment terms, we work with you to ensure that the repayment structure aligns with your business’s financial capabilities.
Say goodbye to complicated calculators and hello to personalised service.
At Fifo Capital, we prioritise your success by providing fast pre-approval, clear loan terms, and flexible repayment options.
Take the first step towards financial empowerment for your business. Reach out to us today to discuss your needs and discover how we can support your growth.
Get a quote
Award-winning business finance
Get the funds you need, when you need
Whether you’re a small business, an ASX listed company, or something in between — we can help you maximise the potential of your businesses assets using our innovative, smart and easy to establish finance options.
Talk to our teamHow should I plan my business loan repayments?
By carefully planning and managing your business loan repayments, you can ensure financial stability and success.
To effectively manage your loan obligations and avoid exacerbating your current cash flow issues, consider the following:
Assess long-term solutions
Look beyond short-term fixes and explore options like revolving funds based on your working capital. These provide sustainable finance without burdening you with lump sum repayments later.
Evaluate the impact
Short-term solutions may offer temporary relief but strain your finances during repayment. Instead, opt for long-term solutions that align with your cash flow patterns for sustainable repayment. One effective option is working capital finance, which provides access to revolving funds specifically designed to work with the cash cycle of your business. By leveraging this approach, you can ensure a more sustainable and manageable repayment structure.
Analyse working capital needs
Understand your business’s working capital requirements to determine the appropriate financing solution that avoids overburdening repayments.
Assess liquidity
Determine how much you can allocate toward loan repayments without affecting day-to-day operations.
Manage current debt
Consider terms, interest rates, and repayment schedules of your existing debt obligations.
Assess liquidity
Determine how much you can allocate toward loan repayments without affecting day-to-day operations.
Evaluate cash flow projections
Analyse revenue streams, operating expenses, and other financial factors to align your loan repayment plan with your business’s capabilities.
Familiarise yourself with loan terms & conditions
Understand interest rates, repayment periods, and associated fees or penalties.
Develop a comprehensive budget
Incorporate loan repayments as a fixed expense and account for unexpected expenses through contingency planning.
Common mistakes to avoid
While our experts assist you in obtaining accurate loan estimates, it’s important to be aware of common mistakes that can impact your repayment planning:
Underestimating loan amount
Ensure you consider all necessary expenses and request a loan amount that adequately covers your business needs. It’s better to have sufficient funds available than to face unexpected shortfalls.
Overlooking interest rate
Take into account the interest rate associated with your loan to accurately estimate your repayment amounts. Ignoring this crucial factor can lead to inaccurate financial projections and affect your business’s cash flow.
Ignoring repayment terms
Carefully review the repayment terms, including frequency and duration, to align your estimates with the actual repayment schedule. Failing to do so may result in missed payments or financial strain on your SME.
Neglecting financial projections
Factor in your business’s future growth and revenue projections when planning your loan repayments. By taking a proactive approach and considering the potential ups and downs, you can create a more realistic financial outlook.
How can I improve my financial position & make repayments easier?
By leveraging revolving funds, you can make significant strides towards improving your financial standing and achieving your business goals. Here are some key benefits you can expect:
Customised repayment options
Unlike traditional loans, revolving funds offer adaptable repayment options. Treat the cost as a dedicated budget line, making regular repayments that align with your financial capabilities. Alternatively, deduct the repayment amount directly from your profits, integrating it seamlessly into your financial operations.
Flexible access to capital
Revolving funds provide a predetermined credit limit that can be used whenever the need arises. This flexibility allows you to seize growth opportunities, manage unexpected expenses, or bridge temporary gaps in cash flow.
Efficient cash flow management
Revolving funds enable you to optimise your cash flow by aligning repayments with your revenue cycle. By choosing a repayment schedule that suits your business’s cash flow patterns, you can ensure smoother financial management and avoid unnecessary strain on your SME’s finances.
Ongoing access to funds
Revolving funds provide a continuous source of capital. As you repay the utilised funds, they become available for future use. This feature ensures that you have funds readily available whenever an opportunity or financial need arises, eliminating the time-consuming process of reapplying for financing.
Strengthened financial position
Revolving funds provide a continuous source of capital. As you repay the utilised funds, they become available for future use. This feature ensures that you have funds readily available whenever an opportunity or financial need arises, eliminating the time-consuming process of reapplying for financing.
Trusted finance partner to SMEs
We take a holistic approach to lending and dedicate the time to truly understand your business.
We recognise the unique challenges faced by Australian SMEs, and that’s why we provide tailored solutions designed specifically to address your needs.
Our goal is to empower your business with sustainable financing options that not only improve cash flow but also provide the flexibility to support your growth.
Imagine the possibilities that await when you partner with us:
- Improved cash flow
- New opportunities
- The ability to drive sustainable growth directly from your bottom line
With our expertise and custom finance solutions, we’re here to support you at every stage of your business journey.
Contact us today to learn more about how we can help you grow your business.
Get a personalised quote
Frequently asked questions
Fifo Capital offers personalised financing solutions to support your business’s growth and cash flow needs. Our experienced team will work closely with you to understand your specific requirements and provide tailored funding options.
This depends on how technical the funding requirement is. If you have a straight forward funding need and the right information, we can get you an indicative (pre-approved) offer in 24 hours. Once in place, you can access same-day funding within 4 hours, giving you the agility to move quickly and achieve your business goals.
You can go from application to approved and funded within a week for funding requests up to $500K.For larger funding needs between $500K-$2M, we work to establish the necessary arrangements to power up your cash flow, which may take a little longer but the results are worth it.
Fifo Capital offers funding options up to $2 million. The specific loan amount will be determined based on your business’s financials, requirements, and our assessment of your needs.
Generally, you’ll need:
A registered Australian business with an active ABN or ACN
A minimum annual turnover of $1M
Business operating for at least 12 months
We’re inclusive in our eligibility requirements, considering a range of factors beyond just credit scores and financial statements. We won’t waste your time if we can’t help, and our experts provide clear information to determine eligibility. Our streamlined process can get you an indicative offer in just 24 hours.
Getting started is simple. Reach out to our team by completing a an enquiry form or giving us a call.
We will guide you through the process, answer any questions you may have, and assist you in finding the right financing solution for your business.
Yes, we work with businesses across various industries. However, it’s important to note that from time to time, we may face limitations in working with certain industries due to marketing conditions and associated risks.
Our team has extensive expertise in understanding the unique challenges and opportunities specific to different sectors.
We will carefully assess the feasibility and potential risks involved in working with your industry, and tailor our solutions to meet your specific requirements.
Our goal is to help you achieve success while mitigating any potential challenges that may arise.
Take the first step towards custom financing
Submit your details now and get a personalised quote
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