Loan calculator
Estimate your repayments
Model monthly payments, total interest and total repayable — now in USD, EUR, GBP, KES or ZAR.
Note: Indicative FX rates for display; amounts are validated on USD equivalent (USD 50,000 – 200,000,000).
Indicative for Unsecured: 10.9% – 17.5%
Estimated monthly payment · USD
$22,701.91
Multi-currency estimate
| Currency | Monthly | Total cost |
|---|---|---|
| USD | $22,702 | $1,362,115 |
| EUR | 20.886 € | 1.253.146 € |
| GBP | £17,935 | £1,076,071 |
| KES | Ksh 2,928,547 | Ksh 175,712,821 |
| ZAR | R 417 715 | R 25 062 914 |
| NGN | ₦35,187,968 | ₦2,111,278,079 |
| AED | AED 83,316 | AED 4,998,962 |
| INR | ₹18,95,610 | ₹11,37,36,593 |
| BRL | R$ 122.590 | R$ 7.355.420 |
| CAD | $31,102 | $1,866,097 |
| SGD | $30,421 | $1,825,234 |
Indicative mid-market reference rates, reviewed periodically. Final pricing uses the rate fixed at drawdown.
- Principal
- $1,000,000
- Total interest
- $362,114.89
- Arrangement fee (1%)
- $10,000.00
- Total cost of credit
- $372,114.89
- Indicative APR
- 13.35%
- Total repayable
- $1,362,114.89
- 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.
Amortization schedule
Unsecured Business Loan · $1,000,000 · 12.9% · 60 months · USD
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $272,422.98 | $152,214.20 | $120,208.78 | $847,785.80 |
| 2 | $272,422.98 | $173,053.42 | $99,369.56 | $674,732.38 |
| 3 | $272,422.98 | $196,745.67 | $75,677.31 | $477,986.72 |
| 4 | $272,422.98 | $223,681.56 | $48,741.42 | $254,305.16 |
| 5 | $272,422.98 | $254,305.16 | $18,117.82 | $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 – $200,000,000
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 – $200,000,000
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
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.