TMS FINANCE TOOLS
Free UK business finance calculators.
Estimate repayments and understand the likely funding cost before you apply. Compare a business loan, asset finance or merchant cash advance and see how each option could affect cash flow.
BUSINESS FUNDING COST TOOLS
Choose the calculator that matches your funding decision
Test different amounts, rates and terms without providing personal information or affecting your credit record. The results are estimates rather than finance quotations, but they help you compare affordability and prepare better questions for a lender or broker.
FIXED-TERM FUNDING
Business Loan Repayment Calculator
Model monthly repayments, interest and fees using reducing-balance, annual flat-rate or monthly flat-rate calculations.
Open calculatorVEHICLES & EQUIPMENT
Asset Finance Calculator
Estimate monthly repayments, deposit, final payment and total finance cost for vehicles, machinery or equipment.
Open calculatorCARD-SALES FUNDING
Merchant Cash Advance Cost Calculator
Estimate the fixed finance cost, total repayable, average collection and likely repayment period based on your card sales.
Open calculatorCOMPARE THE STRUCTURES
Which business finance calculator should I use?
Start with the reason the business needs funding and how it expects to repay it. The lowest-looking rate is not automatically the right structure if it restricts cash flow or leaves a large final commitment.
| Funding route | Often considered for | Repayment structure | What to check |
|---|---|---|---|
| Business loan | Growth, refinancing, working capital or a defined business cost. | Usually fixed regular repayments over an agreed term. | Rate basis, fees, guarantees, security and early settlement. |
| Asset finance | Vehicles, machinery, plant, technology or equipment. | Deposit followed by regular payments, sometimes with a final payment. | VAT, ownership, deposit, final payment and total amount paid. |
| Merchant cash advance | Businesses with regular eligible card sales. | Collections commonly move with a percentage of card sales. | Factor rate, total cost, collection percentage and working-capital impact. |
See the cash-flow impact
Look beyond the headline amount and understand what the repayment could mean each month.
Test different scenarios
Adjust the amount, rate and term to see how the total cost changes before requesting finance.
Get a tailored comparison
When the figures look workable, TMS Finance can review realistic routes based on your business.