Business Loan Calculator — Cash-Flow Payment in 3 Fields (Free)

Currency

Business loan amount

Interest rate (% per year)

Loan term (months)

Monthly Payment

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Total Payment

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Total Interest

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How this business loan estimate works

This page models a classic term-style loan: you borrow a fixed amount, pay the same amount each month, and the loan is fully paid at the end of the term. Interest accrues on the declining balance, which is how many equipment loans and working-capital term products are structured.

It does not replace advice from your accountant or lender. Lines of credit, revenue-based financing, balloon payments, and seasonal structures behave differently. Always read your note, any covenants, and personal or business guarantees before you sign.

Typical reasons owners borrow

Common uses include buying machinery, building inventory before a busy season, refinancing expensive debt, or bridging cash flow when customers pay slowly. Underwriters usually weigh revenue trends, time in business, credit profile, and collateral.

When you compare offers, look at APR or total payback—not only the monthly line. A slightly lower payment on a longer term can cost more overall. For consumer-style amortization in other currencies, our main loan calculator works the same way.

Entering numbers that match your offer

Use the net funded amount you actually receive, or add closing costs to principal if the lender rolls them in. Enter the annual rate as quoted for the amortizing period. If your loan has a draw period or changing rate, this single-term estimate is only a snapshot.

Personal or vehicle borrowing for the owner—rather than the business—may be clearer on our personal loan calculator or car loan calculator. Commercial property can be compared with the mortgage calculator when repayment looks like a long fixed-rate loan.

Frequently asked questions

Does this include origination or packaging fees?

No. Either enter the net loan amount or increase the principal by any financed fees. Your truth-in-lending or loan estimate paperwork should spell out the full cost.

Can I use it for SBA or guaranteed loans?

If repayment is standard fixed principal-and-interest, the payment formula matches. Government programs may add guaranty fees or different terms—verify with your lender.

What about interest-only or variable rates?

Interest-only stretches lower payments early but requires a different payoff plan. Variable rates change with the market. Here we assume one fixed rate for the whole term you enter.

Should I borrow the maximum I qualify for?

Not necessarily. Leave room for slow months and unexpected expenses. A smaller loan with a comfortable payment is often less stressful than maxing out leverage.

How does this relate to my P&L?

The payment here is cash out the door each month. Your bookkeeper may split principal and interest differently for taxes. Use this tool for cash planning; rely on a pro for tax treatment.