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.

What's a typical business loan term?

Working capital loans often run 1–3 years; equipment financing 3–7 years; SBA 7(a) loans 7–10 years for general purpose, up to 25 years for real estate.

Business Loan Calculator—Term Payments & Cash Flow

Currency

Business loan amount

Interest rate (% per year)

Loan term (months)

Monthly Payment

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Total Interest

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Total Payment

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For consumers: personal. Property: mortgage. Vehicles: car / auto.

Estimate only—not legal or financial advice. Home

Popular Calculations

Jump to the calculator you need—business, personal, mortgage, or by amount:

When to use this calculator

Equipment purchase — $50k for new machinery at 9%? See the monthly hit before you sign.
Working capital — Need $100k for 2 years. Can your cash flow handle it?
SBA loan sizing — Model 7(a) terms: 7–10 years, typical rates. Plan ahead.
36 vs 60 months — Shorter = higher payment, less interest. Run both.

Current business loan landscape (2025–2026)

Typical rates: 7%–15%+ (credit, revenue, collateral matter). SBA 7(a): often 11–13%.

Terms: Equipment 1–5 years. Working capital 7–10 years. Real estate up to 25 years.

Model your scenario above. See our personal loan, mortgage, or extra payments calculators for more.

How your business loan monthly payment is calculated

A business loan is repaid in fixed monthly installments. Each payment covers interest (the cost of borrowing) and principal (reducing what you owe). The monthly amount depends on loan size, rate, and term. Use this tool to model equipment loans, working capital, or term debt. Compare with our main loan calculator, car loan calculator, or interest calculator.

How to use this calculator

Select your currency — USD, GBP, EUR, or another to match your loan.
Enter the loan amount — The principal you’re borrowing (use the net amount funded, or add financed fees to principal).
Enter the interest rate — The annual rate (APR) your lender quoted for the term.
Enter the term in months — 12, 24, 36, 60, or whatever your lender offers.
Click Calculate — See your monthly payment, total repayment, and total interest.

Real-world examples

A $50,000 business loan at 8% for 36 months means a monthly payment of about $1,567. Over three years you’d repay roughly $56,400 in total—$6,400 in interest. Extend to 60 months and the payment drops to $1,014, but total interest rises to about $10,840.

A $100,000 loan at 10% for 60 months ≈ $2,124/month and $27,450 in total interest. A $250,000 SBA-style loan at 12% for 84 months (7 years) ≈ $3,634/month. Use our business loan for $10,000, business loan for $20,000, or business loan for $50,000 for pre-filled amounts.

What affects your business loan payment

Loan amount — Borrowing more increases the monthly payment and total interest.
Interest rate — Revenue, time in business, credit profile, and collateral affect the rate.
Loan term — Shorter terms mean higher payments but less total interest.
Fees — Origination or packaging fees can be financed—add them to principal for a truer payment estimate.

Why use a business loan calculator

A business loan calculator helps you plan cash flow before you apply. Whether you’re buying equipment, expanding, or covering working capital, knowing your monthly payment and total cost upfront lets you budget and compare offers.

Plan cash flow before you borrow

Enter the amount you need, the rate you expect (or a range), and the term in months. The calculator shows your monthly obligation and total interest. Use this before you talk to banks, credit unions, or SBA lenders—so you know what you can comfortably repay.

Compare term length trade-offs

Shorter terms mean higher payments but less interest. A $75,000 loan at 9% over 36 months ≈ $2,386/month vs $1,556/month over 60 months—but you’d pay about $3,700 more in interest with the longer term. Run both scenarios here.

Stress-test rate changes

Even a point or two on a large business loan adds up. A $150,000 loan at 10% vs 12% over 60 months is a difference of roughly $175/month and $10,500 in total interest. Use our interest calculator for deeper breakdowns.

What to know when you shop

Use the net funded amount you receive, or add closing costs to principal if financed. Compare APR and total payback, not just the monthly line. Lines of credit and revenue-based financing behave differently. For personal or vehicle borrowing, try our personal loan calculator or car loan calculator; for commercial property, the mortgage calculator; for payoff scenarios, the extra payments calculator or down payment calculator.

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.
What’s a typical business loan term?: Working capital loans often run 1–3 years; equipment financing 3–7 years; SBA 7(a) loans 7–10 years for general purpose, up to 25 years for real estate. Short-term options may be 6–18 months.