Business financing
How to choose a business loan that fits your cash flow
A practical framework for comparing financing, stress-testing payments, and preparing before you apply.
Business loan payment calculator
See the payment before you borrow.
Estimate monthly payments and total interest. Download a complete amortization schedule.
Nominal rate you enter; not APR or a live quote.
Fully amortizing monthly payments.
Model: fixed nominal interest rate, equal monthly payments, and full amortization. Excludes taxes, insurance, variable-rate resets, payment holidays, and fees unless explicitly entered. This is not an APR calculation.
Estimated monthly payment
$2,124.70
Principal modeled$100,000.00
Total interest$27,482.27
Total scheduled payments$127,482.27
Example calculation only. Actual financing depends on lender terms and review.
How to use this calculator
Enter your assumptions and review the result alongside a cash-flow forecast. Compare the estimated payment with the dates your customers actually pay you. Change one input at a time to see how the term or rate affects the outcome.
Calculations run in your browser. Your financial inputs are not sent to a lender or stored by this site. A downloadable CSV gives you the full monthly repayment schedule when the modeled loan amount is positive.
Does the result include fees?
The general loan calculator excludes fees. Use the SBA calculator to model an explicit upfront or financed fee.
Can I enter a zero interest rate?
Yes. At 0%, the principal is divided equally across the selected number of monthly payments.
Understand the numbers
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