Loan calculator
Estimate your repayments
Model monthly payments, total interest and total repayable — now in USD, EUR, GBP, AED or ZAR.
Note: Indicative FX rates for display; amounts are validated on USD equivalent (USD 50,000 – 250,000,000).
Indicative for Working capital: 11.5% – 18.9%
Estimated monthly payment · USD
$23,009.85
| USD | EUR | AED | |
|---|---|---|---|
| Amount | $1,000,000 | 895.000 € | AED 3,670,000 |
| Monthly | $23,010 | 20.594 € | AED 84,446 |
| Total cost | $1,380,591 | 1.235.629 € | AED 5,066,768 |
| Indicative ECB reference rates as of 2026-10-30 (EUR, GBP, AUD, SGD); others reviewed periodically. Final pricing uses the rate fixed at drawdown. Indicative only — not an offer. | |||
Multi-currency estimate
| Currency | Monthly | Total cost |
|---|---|---|
| USD | $23,010 | $1,380,591 |
| EUR | 20.594 € | 1.235.629 € |
| GBP | £17,165 | £1,029,921 |
| ZAR | R 423 381 | R 25 402 870 |
| NGN | ₦35,665,261 | ₦2,139,915,680 |
| AED | AED 84,446 | AED 5,066,768 |
| INR | ₹19,21,322 | ₹11,52,79,329 |
| BRL | R$ 124.253 | R$ 7.455.190 |
| CAD | $31,523 | $1,891,409 |
| AUD | $32,766 | $1,965,961 |
| SGD | $29,407 | $1,764,395 |
Indicative ECB reference rates as of 2026-10-30 (EUR, GBP, AUD, SGD); others reviewed periodically. Final pricing uses the rate fixed at drawdown.
- Principal
- $1,000,000
- Total interest
- $380,590.76
- Arrangement fee (1%)
- $10,000.00
- Total cost of credit
- $390,590.76
- Indicative APR
- 13.95%
- Total repayable
- $1,380,590.76
- Security
- Unsecured
- Term
- 60 months (5.0 yrs)
APR includes the arrangement fee spread over the term.
Estimates use a standard amortizing formula and exclude taxes. Final terms depend on credit assessment, cash flow, collateral (where applicable), currency and tenor. Subject to credit approval.
$23,010/mo
APR 13.95%
Amortization schedule
Working Capital Line · $1,000,000 · 13.5% · 60 months · USD
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $276,118.15 | $150,185.72 | $125,932.44 | $849,814.28 |
| 2 | $276,118.15 | $171,763.56 | $104,354.59 | $678,050.72 |
| 3 | $276,118.15 | $196,441.60 | $79,676.55 | $481,609.12 |
| 4 | $276,118.15 | $224,665.24 | $51,452.92 | $256,943.89 |
| 5 | $276,118.15 | $256,943.89 | $19,174.27 | $0.00 |
Compare products side by side
Using $1,000,000 over each product’s representative rate and the lesser of 60 months or its max tenor. Pick up to 3.
Project Finance
- Rate
- 8.25%
- Term used
- 60 mo
- Monthly
- $20,396.25
- Total interest
- $223,775
- Total repayable
- $1,223,775
- Amount range
- $1,000,000 – $250,000,000
Infrastructure Funding
- Rate
- 7.4%
- Term used
- 60 mo
- Monthly
- $19,990.46
- Total interest
- $199,428
- Total repayable
- $1,199,428
- Amount range
- $5,000,000 – $250,000,000
Amount outside this product’s typical range.
Product details →Asset Financing
- Rate
- 8.9%
- Term used
- 60 mo
- Monthly
- $20,709.86
- Total interest
- $242,591
- Total repayable
- $1,242,591
- Amount range
- $50,000 – $50,000,000
From estimate to term sheet
Your estimate
$21,693/mo
$1,000,000 · 10.9% APR · 60 months
Soft pre-qualification
Check your indicative fit in 30 seconds
No credit pull and no impact on any credit file. This is an indication only — not an offer or approval. Final terms follow full underwriting.
Indicative result: Strong indicative fit
Funding readiness score
How ready is your business for a facility?
Six quick questions. Indicative only — not a credit decision.
1. How long has the business been trading?
2. Do you have the last 2 years of financial statements (or management accounts)?
3. Is your use of funds and amount defined?
4. Revenue trend over the last 12 months?
5. Collateral position?
6. Ownership, ID and company documents ready for KYC?
Indicative rates by product
Personal & Business Loans
10.9%
Range 8.9% – 14.5% APR
Unsecured Business Loan
12.9%
Range 10.9% – 17.5% APR
Working Capital Line
13.5%
Range 11.5% – 18.9% APR
Project Finance
8.25%
Range 6.5% – 11% APR
Infrastructure Funding
7.4%
Range 5.75% – 9.5% APR
Mining Finance
9.75%
Range 7.5% – 13% APR
Asset Financing
8.9%
Range 6.9% – 12% APR
Scholarships & Education Funding
5.25%
Range 3.5% – 7.5% APR
Campaign Finance
11.9%
Range 9.5% – 15.5% APR
Tender & Contract Finance
10.5%
Range 8.5% – 14% APR
Career & Professional Development Finance
8.5%
Range 6.9% – 11.5% APR
General Project Funding
9.9%
Range 7.9% – 13.5% APR
Indicative rates. Final pricing subject to credit assessment, cash flow, collateral (where applicable), currency and tenor.