Finance calculator

Business Loan Calculator

Estimate a fixed monthly business-loan payment, total interest and total repayment.

Your figures stay on this device

Inputs

Enter your numbers

Currency Changes display formatting only; no exchange rate conversion. Loan amount Use zero or positive numbers. Annual interest rate % Use zero or positive numbers. Loan term in months Use zero or positive numbers. Origination fee % Use zero or positive numbers.

Under the hood

Understand the number

Use the formula and notes below to check whether the result fits your real operating conditions.

Formula

Payment = Principal × Monthly Rate × (1 + Monthly Rate)^n / ((1 + Monthly Rate)^n - 1)

Variables

Principal: Amount borrowed before origination fees.
Annual Interest Rate: Nominal annual rate entered by the user.
Term: Number of monthly payments.

How to use it

Use the quoted nominal annual interest rate and exact repayment term.

Enter an origination fee only when it is charged separately.

Compare the payment with conservative monthly cash flow, not only expected revenue.

Limitations

This is an amortization estimate. It does not model variable rates, irregular payments, compounding conventions, late fees, taxes or lender-specific APR disclosures.

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FAQ

Are my inputs stored?

No. Calculator inputs run in your browser and are not submitted.

When was this checked?

Last reviewed on August 26, 2026. Changing third-party fees should be verified from official sources.

Sources

For carrier dimensional weight and marketplace fees, verify current official documentation before operational use.