Are your business loans costing more
than they should?
A merchant cash advance (MCA) with a 1.3 factor rate can cost 35–50% APR. Multiple loans from different lenders often mean you're paying more than you need to. Free tools and plain-English guides to help UK business owners understand the real cost — and what to do about it.
Free · Independent · Not financial advice · FCA-authorised brokers only
Where would you like to start?
I have multiple business loans
Answer 5 questions to find out if consolidation could reduce what you pay
I want to know what my loans are costing
Enter your loans and get an instant estimate of potential monthly savings
I have a merchant cash advance
Factor rates, true APR, and what your MCA is really costing you in pounds
Am I overpaying on my business loans?
Signs you are, what it means in pounds, and what your options are
My customers take forever to pay
See exactly how much cash is stuck in late invoices — your number in 30 seconds
I want to understand invoice finance
Plain-English guide to factoring, discounting and how they work
Business loan tools
5-question decision tool. Find out if consolidation makes sense — including whether to get free advice first.
Enter your loans and see monthly saving, annual cost, and total interest on a consolidated loan.
Signs you are paying too much, worked examples, and your four options explained.
Business Loan Guides
All loan guides →Are You Overpaying on Your Business Loans?
Most UK business owners don't know the true cost of their loans. This guide shows you the signs — and what you can do about it.
Think you might be overpaying?
We'll connect you with FCA-authorised commercial finance brokers who can check your options across multiple lenders — without affecting your credit score at this stage.
Get a free assessment
Share your situation and we'll connect you with specialist brokers. No obligation.
Also on LoanLens
Invoice Finance — get paid faster on unpaid invoices
Invoice finance releases up to 90% of unpaid invoices within 24 hours. Free calculators and sector guides for UK businesses waiting on slow-paying customers.
LoanLens is independent — we don't provide finance and we don't work for any lender or provider. Our calculators use typical market rates from UK Finance industry data and Bank of England base rate information. We provide information and tools, not financial advice. You decide what's right for your business.
LoanLens provides information and educational tools to help you understand your business finance options. We do not provide financial advice. Calculator results are estimates based on indicative market rates — they are not quotes or guarantees. Actual costs depend on your business circumstances, sector, and provider terms.