Business loan repayments: monthly cost tables for £10k, £25k and £50k
A £10,000 business loan over three years at 12% APR costs £332 a month and £11,957 in total. The tables below show the same calculation at £10,000, £25,000 and £50,000, over one, three and five years, at 8%, 12% and 16% APR — illustrative rates chosen to bracket what UK lenders commonly quote, not offers. Your rate depends on your business and the lender.
All figures use the standard amortisation formula every lender uses (monthly payment = loan × monthly rate ÷ (1 − (1 + monthly rate) to the power of minus the number of months)), so you can reproduce any of them.
What does a £10,000 business loan cost per month?
Between roughly £203 and £907 a month depending on term and rate. Shorter terms mean higher monthly payments but less interest overall; the five-year column costs the least per month and the most in total.
| £10,000 loan | 1 year | 3 years | 5 years |
|---|---|---|---|
| 8% APR | £870/mo · £10,439 total | £313/mo · £11,281 total | £203/mo · £12,166 total |
| 12% APR | £888/mo · £10,662 total | £332/mo · £11,957 total | £222/mo · £13,347 total |
| 16% APR | £907/mo · £10,888 total | £352/mo · £12,657 total | £243/mo · £14,591 total |
What does a £25,000 business loan cost per month?
The same structure scaled up: the spread between the cheapest and most expensive cell is about £9,000 of total cost, which is why term and rate deserve as much attention as the amount.
| £25,000 loan | 1 year | 3 years | 5 years |
|---|---|---|---|
| 8% APR | £2,175/mo · £26,097 total | £783/mo · £28,203 total | £507/mo · £30,415 total |
| 12% APR | £2,221/mo · £26,655 total | £830/mo · £29,893 total | £556/mo · £33,367 total |
| 16% APR | £2,268/mo · £27,219 total | £879/mo · £31,641 total | £608/mo · £36,477 total |
What does a £50,000 business loan cost per month?
At this size the five-year 16% cell costs £22,954 more than was borrowed — reading the total column, not just the monthly one, is the habit these tables are meant to build.
| £50,000 loan | 1 year | 3 years | 5 years |
|---|---|---|---|
| 8% APR | £4,349/mo · £52,193 total | £1,567/mo · £56,405 total | £1,014/mo · £60,829 total |
| 12% APR | £4,442/mo · £53,309 total | £1,661/mo · £59,786 total | £1,112/mo · £66,733 total |
| 16% APR | £4,537/mo · £54,439 total | £1,758/mo · £63,283 total | £1,216/mo · £72,954 total |
What the tables leave out
Three things sit outside a clean amortisation table. Arrangement fees, where charged, either add to the balance or come off the advance — ask for the total payable with fees included. Early settlement usually saves interest on a loan (check for early repayment charges), which is a genuine difference from fixed-cost products like merchant cash advances. And the rate you are actually offered reflects your trading, credit profile and security — the bracketing rates here are for orientation, and a real quote is the only number that counts.
Frequently asked questions
How much is a £10,000 business loan per month in the UK?
At illustrative rates: about £870 a month over one year, £313-£352 over three years, and £203-£243 over five years, depending on whether the APR is nearer 8% or 16%. The exact figure comes from the standard amortisation formula and your actual quoted rate.
Is a shorter or longer business loan term cheaper?
Shorter terms cost less in total but more per month; longer terms reverse that. In the £25,000 table, one year at 8% costs £1,097 in interest while five years at the same rate costs £5,415. The practical question is what monthly payment the business’s cash flow genuinely supports across its quiet months, not just its good ones.
Are these the rates CapExpand can get me?
No — 8%, 12% and 16% are illustrative brackets for the calculation, not quotes or typical offers. Real pricing depends on the lender and your business. Any introduction we make comes back with the lender’s actual rate and the total payable stated plainly.
Is CapExpand FCA regulated?
No. CapExpand Ltd is not authorised by the Financial Conduct Authority and only completes non-regulated introductions, which is why we currently work with limited companies and LLPs for business purposes rather than sole traders or partnerships.
Want the real numbers instead of brackets?
Three minutes, soft check only. Introductions come back with the lender’s actual rate and total payable.
Important information
CapExpand Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with UK limited companies and LLPs only, for business and commercial purposes. We are not a lender and we do not provide financial, tax or legal advice. We work with a panel of lenders whose particulars are available on request, and we receive commission from the lender if a deal completes, at no cost to you. All lending is subject to status, valuation where applicable and the lender's own checks.
Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.