A small business loan calculator is designed to help you make quick and easy indicative calculations relating to finance options. It is not an offer or guarantee of finance and cannot predict your exact interest rate or fees if you are approved, but it can give you a general idea of how much a new finance option could cost your business and what you might consider affordable to borrow. Prospa conducts an individual assessment of each applicant business and uses a risk-based pricing model to determine applicable rates using factors such as industry, years in business, cash flow and creditworthiness, so the rate in any offer for finance that you may receive may be different from the indicative rate applied by the calculator. Eligibility for loan approval and available terms of any loan offer (including amount, term and rate) are subject to standard credit assessment of each individual applicant business. Fees, terms and conditions apply.