Business Loan Calculator
Part of Personal loans. Use this business loan calculator to estimate monthly payments and total interest for equipment, working capital, or SBA-style term loans.
Business Loan Calculator
Principal 81.24% · Interest 18.76%
Total of 60 monthly payments$92,324.39
Total interest$17,324.39
Amortization schedule
Explore loan payment by amount
Dedicated pages for common loan sizes—adjust APR and term on each page.
How the Business Loan Calculator works
Business Loan Calculator
This business loan calculator models a fixed-rate term loan: level monthly payments, total interest, and an amortization schedule from loan amount, APR, and term.
Small business term loans are commonly used for equipment, expansion, or working capital. SBA-guaranteed loans may include fees that increase the financed amount—adjust inputs if your lender capitalizes fees into the note.
Pair payment estimates with cash-flow planning. A affordable monthly payment on paper should still leave room for payroll, taxes, seasonality, and reserves.
Frequently asked questions
What does a business loan calculator estimate?
It estimates monthly payment, total interest, and amortization for a fixed-rate term loan using loan amount, APR, and term—useful for equipment, working capital, or SBA-style term structures.
Does this include SBA guarantee fees or origination costs?
No. Enter the net amount you will actually finance, or add fees to the loan amount manually if your lender rolls them into the balance.
How is a business term loan different from a line of credit?
A term loan amortizes on a set schedule. A line of credit is revolving—you draw, repay, and redraw. Use the HELOC calculator for draw/repay line modeling.
How accurate is this business loan calculator?
It follows standard amortization math. Final lender quotes may differ because of fees, prepayment terms, and underwriting adjustments.