Calculate your monthly business loan payment, total interest cost, and full repayment schedule in seconds. Enter loan details manually or upload a TXT file for bulk processing — with charts, export, and extra payment analysis.
Enter your business loan details above and click Calculate to see your monthly payment, total interest, full repayment schedule, and visual breakdown charts.
From SBA 7(a) loans to equipment financing, our calculator handles every type of commercial loan with precision.
Get your exact monthly business loan payment, total interest cost, and effective annual rate the moment you enter your loan details. Real-time results with zero delays.
Upload a TXT or CSV file to compute payments for multiple commercial loan offers simultaneously — ideal for brokers, CFOs, and business owners comparing financing options.
Fully compatible with SBA 7(a), SBA 504, and USDA business loans. Model any term from 3 to 25 years and any amount from microloans to large commercial financing.
Interactive bar charts and donut graphs show the principal vs. interest split across your loan term, helping you understand the true cost of your business financing.
Simulate the impact of quarterly or annual lump-sum payments on your loan term and total interest. Discover how much reinvesting business profits can save you.
Download full repayment schedules in CSV or JSON format for board presentations, bank applications, accounting software integration, or tax planning purposes.
No registration, no fees — just accurate commercial loan calculations in seconds.
Input the loan amount, lender-quoted APR, and repayment term. Select your loan type and optionally enable extra payments to model accelerated repayment strategies.
Click Calculate to instantly see your monthly payment, total interest, total repayment amount, and the full amortisation schedule with period-by-period breakdowns.
Use the bulk upload feature to compare multiple loan offers at once. Export results as CSV for Excel or JSON for your accounting system, with one click.
A business loan calculator is an essential tool for entrepreneurs, small business owners, and CFOs who want to understand the true cost of commercial financing before signing a loan agreement. By entering the loan amount, annual interest rate, and repayment term, you can instantly determine your monthly payment, total interest expense, and complete amortisation schedule — empowering you to make data-driven borrowing decisions and present accurate financial projections to lenders and stakeholders.
A business loan is a lump-sum credit facility extended to a business entity to fund operations, expansion, equipment acquisition, real estate purchase, or working capital needs. Unlike personal loans, business loans may be secured against company assets and often involve higher loan amounts and longer tenures. Common types include SBA 7(a) loans, SBA 504 loans, term loans, equipment financing, commercial real estate mortgages, lines of credit, and invoice financing. Interest rates range from approximately 3% for prime-credit SBA borrowers to 30%+ for alternative and merchant cash advance products.
Monthly loan payments are calculated using the standard amortisation formula:
Where P is the principal loan amount, r is the monthly interest rate (annual APR ÷ 12), and n is the total number of monthly payments. For instance, a $250,000 SBA 7(a) loan at 7.5% APR over 10 years yields a monthly payment of approximately $2,970 and total interest of around $106,400 over the life of the loan.
Example 1 – Restaurant Expansion: A restaurant owner takes a $150,000 SBA 7(a) loan at 8% APR over 7 years to open a second location. Monthly payment: approximately $2,334. Total interest over the term: approximately $45,800.
Example 2 – Equipment Purchase: A manufacturing company finances $80,000 in new CNC machinery at 6.9% APR over 5 years. Monthly payment: approximately $1,575. Total interest paid: approximately $14,500 — entirely offset if the equipment generates incremental revenue from day one.
Example 3 – Working Capital Loan: A retail business borrows $50,000 at 9% APR over 36 months for seasonal inventory. Monthly payment: approximately $1,590. Total interest: approximately $7,200.
Our free bulk business loan calculator processes unlimited loan scenarios in seconds. Paste your data directly or upload a file to compare financing options comprehensively — and export results for board presentations or lender discussions with one click.
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