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Business Loan Calculator

Estimate the monthly payment and true cost of a small business term loan, including the origination fee that reduces your net funding.

$
$0 / month
Origination fee (deducted upfront)
$0
Total interest
$0
Total cost of financing
$0
Net cash you receive
$0

Fees raise your effective borrowing cost above the stated rate. Always ask the lender for the all-in APR.

Understanding the true cost of a business loan

The headline interest rate is only part of the story. Fees, the term length, and how the loan is structured all change what financing actually costs your business. This calculator separates the monthly payment, total interest, and the origination fee so you can see the full picture — and the net cash you'd receive.

Before you sign

  • Ask for the all-in APR, not just the rate or a factor rate.
  • Match the term to the use. Financing a long-lived asset over a short term can strain cash flow.
  • Model the payment against your revenue so the debt is comfortably serviceable.

Compare against a standard Loan Payment Calculator, and explore funding options in our Business Finance guides.

Frequently asked questions

How is a business loan payment calculated?
Term business loans amortize like other fixed loans: each monthly payment covers interest on the remaining balance plus a portion of principal. This calculator also adds an origination fee, which is often deducted from the funds you actually receive.
Why does the fee matter so much?
An origination fee raises your real cost of borrowing above the stated interest rate, because you pay interest on the full loan amount but receive less cash. Always ask a lender for the all-in APR, which captures fees, to compare offers fairly.
What about merchant cash advances or factor rates?
Some business financing is quoted as a factor rate rather than an APR, which can hide a very high effective cost. Convert any offer to an APR before comparing. When in doubt, consult an accountant or advisor.

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