Finance category
Mortgage, loan, investing, tax, and money calculators.
Business Loan Calculator
Estimate monthly debt service for a business loan and see how interest plus origination fees affect your total borrowing cost.
Monthly payment
$3,150.28
Total interest
$39,016.75
Origination fee
$3,000.00
Total cost
$192,016.75
How to Use
- Enter the total amount you plan to borrow for working capital, equipment, expansion, or another business need. Start with the actual funded amount rather than the target project budget if they differ.
- Add the interest rate and term in months from the lender quote. Small changes in rate or term can materially shift monthly debt service and total interest.
- Include the origination fee percentage if the lender charges one. Fees reduce the net cash you receive even though you still repay the full loan balance.
- Review the monthly payment first to see whether it fits your expected cash flow in slower months, not just peak revenue periods.
- Use the total interest plus fee view to compare competing loan offers. A lower payment can still be the more expensive option if it stretches the term too far.
Frequently Asked Questions
What counts as an origination fee?
An origination fee is an upfront lender charge, usually expressed as a percentage of the amount borrowed. It does not reduce the stated principal you owe, but it does increase the all-in cost of getting the financing.
Why can a lower monthly payment still be a worse loan?
A lower payment often comes from extending the repayment term. That can help short-term cash flow, but it may raise the total interest paid enough to make the loan more expensive overall.
Can I use this for SBA, term, or equipment loans?
Yes, as a general estimate for fixed-rate installment loans with monthly amortization. It is less suitable for merchant cash advances, variable-rate debt, or structures with balloon payments and irregular fees.
What should I compare besides payment?
Focus on payment, total interest, fees, and the net amount of cash that actually lands in the business. For operating decisions, it also helps to compare the payment against expected gross margin or monthly free cash flow.
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