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    Free Tool

    Business Loan Calculator

    Calculate monthly payments, total interest, and total cost for any business loan amount, rate, and term.

    US$100,000
    US$5,000US$2,000,000
    8%
    1%30%
    36 months
    6 months84 months
    US$0
    US$0US$20,000

    Monthly Payment

    US$3,133.64

    Total Interest

    US$12,811

    Total Repayment

    US$112,811

    Cash cost incl. fee

    US$12,811

    Net proceeds

    US$100,000

    Principal (89%)
    Interest (11%)

    Methodology

    Monthly payment = P × r × (1 + r)^n / ((1 + r)^n − 1), where P is principal, r is the monthly interest rate (APR ÷ 12) and n is the number of months. If r is 0, payment is P ÷ n.

    • Interest is compounded monthly on a fully amortizing schedule.
    • An optional origination fee is treated as cash cost and as a reduction in net proceeds. It is not converted into a hidden interest rate.
    • Results are estimates you control. They are not an offer, APR quote or eligibility decision.

    Add an origination or documentation fee if a written offer includes one. Other costs — prepayment, late fees, insurance — are outside this model. Formula reviewed 2026-08-28.

    Frequently Asked Questions

    Monthly payments are calculated using the standard amortization formula, which factors in the loan principal, annual interest rate, and the total number of monthly payments. Each payment covers a portion of principal and interest.

    Use the interest rate or APR shown in a financing partner's written disclosure. Rates vary by product, partner, business profile and market. If you are exploring scenarios, label the result as an estimate rather than an expected offer.

    You can add an optional origination or documentation fee. The fee is treated as cash cost and as a reduction in net proceeds. It is not converted into a hidden interest rate. Other charges still require a written partner disclosure.

    Related financing guides

    Use these guides to understand the assumptions and financing choices behind the numbers.

    Unsecured Working Capital Loans for New BusinessesWorking Capital Loan vs Business Line of Credit

    Want to Request a Financing Introduction?

    Submitting our initial form does not itself run a credit check or guarantee an offer. A third-party financing partner controls eligibility and terms.

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