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Business Loan Calculator

Prices a business loan the way it actually costs: the origination fee is deducted from what lands in the account but interest is charged on the full face amount, so the real APR is above the quoted rate. The tool solves for that effective rate, and an optional extra monthly payment shows the months and the interest it removes.

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Business Loan Calculator works straight from this page — free, instant, nothing to install. It covers the origination fee is deducted from what lands in the account but interest is charged on the full face amount, so the real APR is above the quoted rate. The tool solves for that effective rate, and an optional extra monthly payment shows the months and the interest it removes — adjust any of them and the result follows immediately.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Business Loan Calculator?

Prices a business loan the way it actually costs: the origination fee is deducted from what lands in the account but interest is charged on the full face amount, so the real APR is above the quoted rate. The tool solves for that effective rate, and an optional extra monthly payment shows the months and the interest it removes.

What does it take into account?

It factors in the origination fee is deducted from what lands in the account but interest is charged on the full face amount, so the real APR is above the quoted rate. The tool solves for that effective rate, and an optional extra monthly payment shows the months and the interest it removes. Change any of them and the output follows immediately.

When would I actually use this?

Before signing: checking whether the instalment fits the budget, comparing two offers at different rates and terms, and seeing what a shorter term really costs each month.

What is the most common mistake?

Comparing monthly instalments instead of total interest. A longer term always looks cheaper each month and costs more overall — the two figures move in opposite directions.

How is Business Loan Calculator different from Balloon Loan Calculator?

They sit next to each other but answer different questions: Balloon Loan Calculator is the one to open when you need it to works out the instalment and the balloon lump sum for a loan amortised over one term but repaid in full after a shorter one. The balloon is the true remaining principal after k payments, not the amount borrowed minus the payments made — the two differ by tens of thousands. Interest-only balloons are handled too, with the full schedule. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Car Loan Payoff Calculator is the closest one after this: How long to pay off your car loan, total interest and payoff date — plus the effect of an extra payment.

What else is worth having open alongside it?

Loan Comparison Calculator and Loan-to-Deposit Ratio Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The amortisation arithmetic is standard and exact; the rate is yours to supply. Lenders add fees, insurance and sometimes a different compounding convention, so treat the result as the loan's own cost, not the offer's APR.

Further reading

All guides →
GuideBorrowing for the Business: What the Bank Looks At Before the RateThe coverage ratio is the gate, the guarantee is the second price and the rate is an output. On a 400,000 loan, cutting the rate by a full point moves the coverage ratio by 0.018 — while two extra years of term move it by 0.216. The whole negotiation is in the wrong place.ComparisonBuying or Leasing Equipment: Which Number Actually Decides ItThe received wisdom is that the tax treatment of depreciation settles the buy-or-lease question. Modelled on a 60,000-euro machine over five years, it does not: it ranks third, and a long way behind. Here is the ranking, computed, and the conditions under which it flips.GuideShould You Pay Off a Car Loan Early? The Rule, and the Three ExceptionsSettling a $20,000 car loan at 7 percent two years in saves $1,431 of interest — but only $663 of that is a real gain if the cash was earning 4 percent, and precomputed interest can take $62 or more off the top.GuideStudent Loan Repayment Strategies: Five Routes Through the Same $30,000Standard, extended, overpaid, refinanced or income-linked: the same $30,000 at 5 percent costs anywhere from $35,716 to $52,613. And where a scheme writes the balance off, overpaying can cost $11,178 and buy nothing.ExplainerThe EMI Formula Explained — and Why a Longer Term Is Mostly a Transfer to the LenderEMI = P·i·(1+i)^n ÷ ((1+i)^n − 1). On $300,000 at 6 percent, doubling the term from 15 to 30 years cuts the payment by 29 percent but multiplies the interest by 2.2 — from $155,683 to $347,515.ComparisonWhat the APR Includes That the Rate Does Not — and Why 6 % Can Beat 7.5 % BackwardsA 6 percent loan with a 3 percent fee and compulsory insurance carries an APR of 10.7 percent and costs $486 more than a 7.5 percent loan with no fees at all. The APR is the figure that catches it.