Business Calculator
Business Loan Payment Calculator
Enter a loan amount, rate, and term to see your monthly payment, total cost, and year-by-year payoff — before you fill out a single application.
Loan Parameters
This calculator uses standard monthly amortization. Fees (origination, closing) are not included — they increase your effective APR above the stated rate.
Enter a loan amount, rate, and term to see your payment breakdown.
What Rates to Expect
Rate ranges vary significantly by loan type, lender, and your qualifications.
SBA Loans
6–10%
Most competitive. Requires strong credit (680+), 2+ years in business, collateral.
Bank Term Loans
7–13%
Competitive rates for established businesses with solid financials and 700+ credit.
Online Term Loans
10–30%
Faster approval, more flexible qualification. Rate depends heavily on revenue and credit.
Short-Term / MCA
30–80%+
Highest cost, fastest access. Best evaluated by factor rate, not APR.
Short-term lenders and MCAs quote factor rates, not APR — which makes them look cheaper than they are. Use the factor rate to APR calculator to convert and compare on equal footing.
Ready to See Real Numbers?
This calculator shows you the math — we can show you what similar businesses are actually getting approved for.
Related Resources
Break-Even Calculator
See if projected revenue clears break-even before committing to a loan payment.
Financial Ratios Calculator
Calculate DSCR and check if your numbers meet lender minimums.
Factor Rate to APR
Convert MCA factor rates to APR for an apples-to-apples cost comparison.
Financial Health Checklist
Score your lender readiness across 24 factors before applying.