Term Loan vs Line of Credit Cost Calculator
Compare a fully drawn amortising term loan with a revolving limit using average utilisation, drawn interest and annual line fees.
Your assumptions
Comparison
Enter your figures and calculate. Results are estimates, not a quote or credit decision.
How to use the result
Average utilisation matters because a line can be much cheaper than a fully drawn term loan when used briefly, but more expensive when it stays heavily drawn.
Facility reviews, covenants and security are outside the cost calculation.
Read the calculation methodology and assumptions.
If the numbers justify a closer look, send the transaction details for an initial broker review.
Compare term-loan and LOC structuresGeneral information only. Calculator results are estimates and do not account for every fee, tax outcome, contract feature or lender rule. Finance approval and pricing are subject to lender assessment.