Business Loan Affordability Calculator

Estimate your monthly repayment, total interest, and true cost of credit for an SA business term loan.

NCA disclosure: All SA credit agreements are governed by the National Credit Act. Initiation fees are capped at R6,037.50 (incl. VAT) and the monthly service fee at R69 (excl. VAT). Rates shown are illustrative — your actual rate depends on your credit profile and lender.

Loan Amount (ZAR)

Interest Rate (% per year)

SA business loans typically range from prime (currently ~11.75%) to prime + 5%.

Loan Term

Monthly Service Fee (ZAR)

NCA-regulated; typically R69/month excl. VAT.