Term Repayment Loan

Fixed weekly repayments over 1–5 years — a structured path to paying down your loan.

At a Glance

Loan Amount

$25K – $500K

Term

1 – 5 years

Rate

20% p.a.

Repayments

Equal weekly

Security

Mortgage

Funding

Within days

Financials

Not required

Exit Strategy

Built-in

Key Features

No Exit Strategy Required

Unlike bridging or interest-only loans, this product has a built-in repayment structure. Your weekly payments fully amortise the loan over the term — no need for a separate exit plan.

Fixed Weekly Repayments

Know exactly what you'll pay each week for the life of the loan. Equal weekly instalments make budgeting straightforward with no surprises.

Flexible Terms

Choose a term that suits your cash flow — 1, 2, 3, 4, or 5 years. Longer terms mean lower weekly repayments.

Fast Approval

Applications are assessed quickly by our lending committee. Once approved and signed, funds can be available within days.

Simple Structure

Add-on interest is calculated upfront so you know the total cost from day one. No compounding, no variable rates, no hidden charges.

Business & Investment Purposes

Available for a wide range of business and investment purposes including working capital, debt consolidation, property purchase, and equipment.

Repayment Calculator

See your estimated weekly repayments based on loan amount and term.

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$25K$500K

Repayment Summary

Loan Amount$100,000.00
Total Interest (20% p.a. × 3 years)+$60,000.00
Loan Preparation Fee+$4,995.00
Total Repayable$164,995.00
Weekly Repayment$1,057.66

156 equal weekly payments over 3 years

This calculator is intended as a guide only. All figures are indicative and subject to final credit assessment and loan approval. Early repayment will incur the full contract price.

How It Works

A straightforward process from application to funding.

1

Apply

Provide basic business information, security property details, and your preferred loan term. No lengthy application packs required.

2

Security

Secured by first or second mortgage over real property — residential, commercial, or industrial. Valuations are arranged as part of the process.

3

Assessment & Approval

Our lending committee reviews your application. We assess the deal structure, security quality, purpose of funds, and your capacity to service the weekly repayments.

4

Funding

Once loan documentation is signed, funds are released and your weekly repayment schedule begins. Our in-house solicitors handle all documentation internally.

Common Use Cases

A structured repayment loan for businesses that need capital without a defined exit strategy.

Debt Consolidation

Consolidate multiple debts into a single weekly repayment, simplifying your finances and providing a clear payoff timeline.

Working Capital

Inject capital into your business for operational expenses, growth, or cash flow management with predictable weekly repayments.

Property Purchase

Finance investment or commercial property with a structured repayment plan rather than relying on a future sale or refinance.

Plant & Equipment

Purchase machinery, vehicles, or specialist equipment and pay it down over a term that matches the asset's useful life.

Tax Debt

Clear outstanding ATO obligations and repay the loan in manageable weekly instalments rather than facing enforcement action.

Business Acquisition

Fund the purchase of a business or buy out a partner with a clear repayment structure from day one.

Eligibility

  • Australian company or trust (with corporate trustee)

    Borrower must be an Australian registered company or trust with a corporate trustee.

  • Real property available as security

    Residential, commercial, or industrial property located in Australia.

  • Business or investment purpose

    Loan must be for business or investment purposes. Consumer or personal loans are not available under this product.

  • Capacity to service weekly repayments

    You'll need to demonstrate the ability to meet the weekly repayment schedule from business income or other sources.

Early Payout

If you choose to repay your loan early, the payout figure is calculated using the Rule of 78s method.

How the Rule of 78s Works

The Rule of 78s is a method for allocating interest across the life of a loan. It assigns a greater proportion of interest to earlier periods, meaning the lender earns more interest in the early stages of the loan.

When you pay out early, you receive a rebate for the unearned interest — the portion of interest allocated to the remaining weeks of the loan. Your payout figure is the remaining scheduled payments minus this rebate.

Because interest is front-loaded, the rebate is proportionally smaller earlier in the loan term and larger closer to the end.

$
Week 1Week 155

Payout Summary

Total Contract Value$164,995.00
Payments Made (52 weeks)-$54,998.33
Remaining Scheduled Payments$109,996.67
Less: Rule of 78s Rebate (unearned interest)-$26,751.59
Payout Figure$83,245.07

This calculator is intended as a guide only. Actual payout figures may vary and will be confirmed by Strive Financial upon request. The Rule of 78s method allocates a greater proportion of interest to earlier periods of the loan.

Frequently Asked Questions

Add-on interest means the total interest for the entire loan term is calculated upfront on the original loan amount and added to the principal. The total (principal + interest + loan preparation fee) is then divided into equal weekly repayments. This means you know exactly what you'll pay from day one — there's no compounding and no variable rates.
Yes, you can repay the loan at any time. However, as this is a fixed-term add-on interest product, early repayment will require payment of the full contract price — that is, the total of all remaining scheduled repayments. This reflects the nature of the add-on interest structure where the total cost is fixed at the outset.
Your weekly repayment is the total repayable amount divided by the number of weeks in your loan term. For example, a $100,000 loan over 3 years: total interest is $60,000 (20% × 3 years), plus the $4,995 loan preparation fee, giving a total of $164,995. Divided by 156 weeks (3 × 52), that's $1,057.66 per week.
Unlike our bridging and interest-only products, this loan is fully self-liquidating. Your weekly repayments cover both principal and interest, so the loan is completely paid off by the end of the term. There's no balloon payment or lump sum required — the repayment structure is the exit strategy.
No upfront fees. You don't pay until you're funded. A loan preparation fee of $4,995 is included in the total repayable amount and spread across your weekly repayments.

Strive Financial provides business and investment loans only. We do not provide consumer credit regulated under the National Consumer Credit Protection Act 2009. All loan approvals are indicative and subject to verification, valuation, and final credit assessment. Early repayment of this product will incur the full contract price. All figures shown on this page are indicative only.

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Fast, reliable business and investment loans — when timing matters.