Business Loan Calculator

Business Loan Calculator

Our Business Loan Calculator gives you a better understanding of how much it could cost to take out a small business loan with APS Bank. This calculator is a guide only and not a guarantee of interest rates, duration and repayment amounts.

The Bank typically finances up to 70% of the capital investment being undertaken. Therefore for an accurate calculation you must insert 70% of the sum required. For example, if the investment amounts to €100,000 select the €70,000 on the below field. 

€ 5,000
€ 250,000

€ 5000

12 months
180 months

12 months

Typical Term 120 months.
3% p.a
8% p.a


Typical Interest Rate 5%.
  • Monthly Repayment €423.56 The same every month
  • Total Interest Payable €82.72
  • Total Amount Payable €5,082.72

You will incur a one-time processing fee that varies according to the size of your loan. Other fees, such as legal fees, may also be due - please refer to the Bank's Tariff of Charges available here.

For an accurate loan quotation please book an appointment at one of our branches.

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Business queries

We typically finance up to 70% of the capital investment being undertaken, depending on your affordability, with the 30% balance to be forked by yourself up-front from your savings.
We consider various factors about your business when setting your interest rate. Hence, the actual rate we offer you could vary, depending on the particular circumstances of your case. To find out more about the actual rate you could be offered, kindly book an appointment at one of our branches.
The maximum loan duration may vary, depending on the useful economic life of the asset to be financed.
Yes, you can open a business account by calling our Contact Centre on (+356) 2122 6644 or visiting your nearest branch.
You need to go to the branch where your accounts are held where you will be requested to fill in an application to add the new payee.

Typical example of a business loan financing the acquisition, construction, extension, completion or refurbishment/upgrading of the commercial premises from where you operate:

Typical example of a business Loan, hereinafter the loan, based on an amount of €100,000 being made available by APS Bank plc over a maximum term of 240 months, subject to a typical variable borrowing interest rate of 5% per annum. The loan is repayable in 240 equal monthly instalments of €663.80. The total sum payable throughout the term of the loan, assuming the variable interest rate remains unchanged, will be €159,312. Bank charges currently applicable on this loan are: – a one-time processing fee of €250; a one-time legal fee of €384; a commitment fee of 0.5% per annum on any undrawn loan amount after a pre-agreed drawdown expiry date; a renewal fee of 0.15% per annum on the reducing loan balance at time of the annual review of the facility; updating of searches fee (every 5 years) of €20 plus VAT, apart from an additional charge of €2 per inscription; and cancellation (legal) fee for the hypothec of €46. The loan is to be secured by a first ranking general and special hypothec and special privilege over the property being financed, a first ranking pledge over a life assurance policy covering the whole loan amount and a business insurance policy covering the re-building cost of the property being end-financed, besides all other business assets for their replacement value. Other security requirements may be requested, depending on the circumstances of each case.

Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. Terms and conditions apply and are available on request.

Any questions?

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Call on

(+356) 2122 6644

Mon - Sun, 08:00 - 21:00