R100,000 Business Loan Calculator
Calculate monthly repayments for business loans, equipment finance, and working capital from South African lenders. Plan your cash flow with accurate instalment estimates.
What are your loan details?
What will your repayment be?
Monthly Repayment
R 9 816,43
per month
Total Interest
R 1 355 944,13
Total Cost
R 2 355 944,13
Loan Summary
Loan Amortisation Chart
Results shown are estimates for financial planning purposes only and do not constitute financial advice, a credit quote, or an offer of credit. Rates depend on your credit profile and lender. CalcLoan is not a registered financial services provider. Please consult a qualified financial advisor or contact your bank directly before making financial decisions.
Business Loan | Repayment Calculator Information
Business loans in South Africa are available from major banks (FNB, ABSA, Standard Bank, Nedbank) as well as alternative lenders. Interest rates typically range from 11% to 22% depending on your business track record, industry, and whether the loan is secured. Term loans, asset finance, overdraft facilities, and invoice discounting are common options for SMEs. The loan amount and repayment term affect your monthly cash flow, so use our calculator to find the right balance for your business.
What can this calculator work out?
- Business term loan calculations
- Equipment finance repayments
- Working capital loan planning
- SME loan affordability calculator
- Business loan interest rate comparison
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A R100,000 business loan at 14.25% (prime + 4%) over 36 months costs R3,430/month, with R23,477 paid in interest at current SARB prime (10.25%).
A R100,000 business loan is typically used for working capital, equipment finance, expansion, or stock purchasing for SA SMEs. At current prime (10.25%), most SA lenders — including Business Partners, Absa Business Banking, Standard Bank Business, FNB Business, Nedbank Business Banking, and IDC — offer this amount at 12.25%–16.25%, which works out to R3,333–R3,528/month over 36 months. Most banks require a minimum monthly income of around R4,167 to qualify for a business loan of this size.
R100,000 Business Loan — Rate & Term Comparison
| Rate | 24 mo | 36 mo | 5 yrs | 7 yrs |
|---|---|---|---|---|
| 12.25% (prime + 2%) | R4,719/mo | R3,333/mo | R2,237/mo | R1,779/mo |
| 14.25% (prime + 4%) | R4,813/mo | R3,430/mo | R2,340/mo | R1,888/mo |
| 16.25% (prime + 6%) | R4,908/mo | R3,528/mo | R2,445/mo | R2,000/mo |
R100,000 Business Loan — Frequently Asked Questions
Repayments are estimates based on SARB prime rate of 10.25% (last verified April 2026). Actual rates depend on your credit profile and lender. This tool is for financial planning purposes only and does not constitute a quote, offer, or financial advice. Verify current prime rate at SARB.co.za.