Plan financing for your business by estimating the monthly payment and full cost of a fixed-rate business loan.
How the Business Loan Calculator works
The business loan calculator amortizes a fixed-rate commercial or term loan, showing the monthly payment and total cost so you can judge it against expected cash flow.
Example calculation
A $100,000 business loan at 9.5% over 7 years is about $1,635 a month and roughly $37,300 in total interest.
Tips for using the Business Loan Calculator
- Match the loan term to the life of what you're financing.
- Factor origination and guarantee fees into the real cost.
- Keep a cash cushion — never finance to your maximum capacity.
Business Loan Calculator — frequently asked questions
- Are fees included?
- No — origination, packaging and guarantee fees are charged separately by lenders.
- Fixed or variable?
- This assumes a fixed rate. Variable-rate loans change with the market index.
- Are SBA loans cheaper?
- SBA-backed loans often have lower rates and longer terms but more paperwork and fees.
- Fixed or variable rate?
- This assumes fixed. Variable rates can start lower but rise with the market.
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