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 1 846,49
per month
Total Interest
R 55 105,10
Total Cost
R 155 105,10
Loan Details
Loan Payment Schedule Chart
How much does this loan really cost you?
Estimated maximums under the National Credit Act — your actual lender's fees may be lower.
Advanced Analysis Tools
This is an estimate only, not financial or tax advice, and we are not a financial services provider (FSP). Your actual figures depend on your lender or provider, and your personal circumstances. Results do not constitute a credit quote or an offer of credit — please consult a qualified financial advisor or contact your bank directly before making financial decisions.
How do these repayment numbers break down?
Total interest paid by term
Business Loan for Information
Business loans in South Africa are available from major SA banks 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
What's next?
Dig deeper into this result with our free financial tools
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A R100,000 business loan at 15.50% (prime + 5%) over 36 months costs R3,491/month, with R25,678 paid in interest at current SARB prime (10.5%).
A R100,000 business loan is typically used for working capital, equipment finance, expansion, or stock purchasing for SA SMEs. At current prime (10.5%), most SA lenders — including most major SA banks and development finance institutions — offer this amount at 11.00%–22.00%, which works out to R3,274–R3,819/month over 36 months. As a rough budgeting guide, the mid-range instalment stays near 35% of take-home pay on a gross salary of about R10,655/month — this is a budgeting convention, not a lender requirement: lenders set their own criteria via a full National Credit Act affordability assessment.
R100,000 Business Loan — Rate & Term Comparison
| Rate | 24 mo | 36 mo | 5 yrs | 7 yrs |
|---|---|---|---|---|
| 11.00% (prime + 0.5%) | R4,661/mo | R3,274/mo | R2,174/mo | R1,712/mo |
| 15.50% (prime + 5%) | R4,872/mo | R3,491/mo | R2,405/mo | R1,958/mo |
| 22.00% (prime + 11.5%) | R5,188/mo | R3,819/mo | R2,762/mo | R2,343/mo |
What income do you need for a R100,000 Business Loan?
- Estimated instalment
- R3,491/mo
- Take-home pay needed
- R9,974/mo
- Approximate gross salary needed
- R10,481/mo
This is an illustrative guide only, assuming the instalment stays near 35% of take-home pay (a common budgeting convention, not a lending rule) and based on PAYE and UIF deductions alone (it excludes pension and medical aid contributions, which would raise the gross salary needed). Lenders must run their own full National Credit Act affordability assessment — this is not a lending decision.
R100,000 Business Loan — Frequently Asked Questions
Repayments are based on the SARB prime rate of 10.5% (last verified July 2026). Verify current prime rate at SARB.co.za.