🏢 Loans
Business Loan Calculator — Sri Lanka SME Financing
Estimate monthly repayments and total interest for a Sri Lankan business or SME loan.
Monthly instalment
LKR 118,950
Total interest
LKR 2,136,979
Total repayment
LKR 7,136,979
How this is calculated
Uses the standard reducing-balance EMI formula: E = P × r × (1+r)^n / ((1+r)^n − 1).
Actual pricing depends on collateral, business risk, sector and whether the loan is under a subsidised SME scheme.
Frequently asked questions
What can a business loan be used for?
Working capital, equipment, expansion, inventory, premises or refinancing existing debt. Different products suit different purposes.
What documents do banks usually ask for?
Business registration, financial statements or bank statements (usually 6–12 months), tax returns, and often personal guarantees or collateral for SMEs.
Are business loan rates higher than personal loans?
Not always. Secured business loans against property or equipment often carry lower rates than unsecured personal loans.
How is repayment ability assessed?
Lenders look at your business cash flow, existing obligations and often a debt service coverage ratio of at least 1.25×.
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Results are indicative estimates only. Actual rates, taxes and fees vary by institution and change over time. Confirm figures with your bank, employer or a qualified financial advisor before making decisions.