£25k – £50k
Smaller projects
A new piece of equipment, a shop refit, or clearing an expensive overdraft. This typically needs a pension fund worth at least £50,000 to £100,000.
At a glance
Repayments by loan size
All figures are over five years at 5.00% fixed, repaid in equal monthly payments. Choose a shorter term in the calculator.
| Loan | Monthly repayment | Total interest | Total repaid | Pension fund needed |
|---|---|---|---|---|
| £25,000 | £472 | £3,307 | £28,307 | £50,000 |
| £50,000 | £944 | £6,614 | £56,614 | £100,000 |
| £100,000 | £1,887 | £13,227 | £113,227 | £200,000 |
| £250,000 | £4,718 | £33,069 | £283,069 | £500,000 |
| £500,000 | £9,436 | £66,137 | £566,137 | £1,000,000 |
"Pension fund needed" is the minimum value of the directors' pension fund, because the rules limit a loan to half the pension fund's value. Illustrative only; your loan agreement sets the exact figures.
Loan sizes
What each size is typically used for
£50k – £150k
Mid-sized loans
Typical uses include consolidating borrowing, buying stock or funding vehicles.
£150k – £500k
Bigger investments
Machinery, premises improvements or a major contract. Directors often combine their pensions to reach this level.
Find out how much your company could borrow
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