Business Loan Calculator

Our SME 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

How much do you want to borrow?

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
  • € 

For how long?

      • 12 months
      • 180 months
    • Months
  • Typical Term 120 months. Click here for more information

Interest rate?

      • 3% p.a
      • 8% p.a
  • %
    • Percentage
  • Typical Interest Rate 5%. Click here for more information

Your loan could cost?

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 changes available on our website for more information.

  • Monthly Repayment € 428.20 The same every month
  • Total Interest Payable € 138.40
  • Total Amount Payable € 5,138.40

For an accurate loan quotation please book an appointment with one of our officers.


1. How much do you want to borrow?

“The Bank typically finances 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.”

2. And for how long?

“The maximum loan duration may vary, depending on the useful economic life of the asset to be financed.”

3. The interest rate:

“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 call us on 21226644 to set up an appointment with one of our lending officials or book an appointment through the button below”.

4. Important note:

The above information is provided only for your personal, non-commercial use. Although every effort has been made to ensure the accuracy and correctness of these figures, APS Bank plc. and its officials cannot be held responsible for your reliance on these calculations. Furthermore, the above quote does not represent any commitment on the part of the Bank to enter into a banking relationship or to grant the requested facility or part thereof.”

5. Typical example

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

Terms and conditions apply. Typical example of an SME 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.”

Copyright © 2017 APS Bank plc
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. The Bank is also registered as a Tied Insurance Intermediary under the Insurance Distribution Act 2018.