Financial Calculators
Business Loan Calculator
Estimate fixed-rate business-loan payments, total interest, fees, net proceeds and payoff timing, including the effect of optional extra payments.
Estimate business loan costs
Business Loan Calculator
Estimate a fixed-rate amortizing business loan. Balloon and interest-only structures are not assumed.
Loan assumptions
Business loan estimate
- Loan Amount
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- Net Proceeds
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- Amount Financed
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- Total Principal Repaid
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- Total Interest
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- Total Fees
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- Total Repayment
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- Total Financing Cost
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- Estimated Payoff Date
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- New Payoff Date
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- Payments Saved
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- Interest Saved
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Annual amortization summary
| Year | Beginning Balance | Principal | Interest | Ending Balance |
|---|
The entered annual rate is not presented as an official regulatory APR. Total financing cost combines estimated interest and fees.
Results are estimates for planning purposes and do not represent a lender offer, approval, or required disclosure.
Your calculation is processed in your browser and is not stored by this tool.
Results are estimates based on the entered fixed-rate terms. They are not a loan quote, approval decision, accounting advice or tax advice.
How to use the business loan calculator
- 1
Enter the amount borrowed, annual interest rate and term.
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Select monthly, biweekly or weekly payments where available.
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Add an origination fee as a percentage or fixed amount and include other fees.
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Choose whether fees are paid upfront or financed.
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Add an optional extra payment and review repayment, payoff and annual amortization.
How business loan payments are calculated
The calculator uses a fixed-rate amortizing-loan formula. Each scheduled payment first covers interest on the outstanding balance and then reduces principal. Financed fees increase the principal used for payment calculations. Upfront fees reduce net proceeds but do not increase the financed balance.
Business loan example
A $100,000 loan at 8% for five years with monthly payments has an estimated regular payment of about $2,027.64. A 2% origination fee paid upfront leaves $98,000 in net proceeds. Estimated interest is about $21,658.37, making interest plus fees about $23,658.37.
Payment, net proceeds and financing cost
The advertised loan amount is not always the cash the business receives. Net proceeds show the effect of upfront fees. Amount financed shows the balance when fees are added to the loan. Effective financing cost on this page combines modeled interest and entered fees; it is not a legally defined APR.
Extra payments and payoff timing
Extra payments are applied with each selected payment period in the model. They can shorten repayment and reduce interest when the agreement allows principal prepayment without penalties. Confirm how a lender applies extra funds and whether fees or early-settlement charges apply.
Important limitations
- Fixed payments: variable rates, interest-only periods and balloon payments are excluded.
- No SBA rules: government-program guarantees, eligibility and special fees are not modeled.
- APR: the result does not calculate a regulated disclosure rate.
- Business cash flow: affordability and approval are not assessed.
- Taxes: deductibility and accounting treatment require professional guidance.
Related tools
Business Loan Calculator FAQ
How is a business loan payment calculated?
The tool applies a fixed-rate amortization formula to the financed amount, rate, term and payment frequency.
Can I include an origination fee?
Yes. Enter a percentage or fixed fee and choose upfront or financed handling.
What are net proceeds?
Net proceeds are the loan amount remaining after entered upfront fees.
Can extra payments reduce interest?
Yes in the model, but confirm lender allocation rules and any prepayment charges.
Does this calculate SBA loan eligibility?
No. It does not apply SBA or other government-program rules.
Does the result guarantee approval?
No. Lenders assess credit, cash flow, security and other requirements separately.
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