Business Loan Calculator
Repayments and cost of a business loan.
Enter your values
Enter the loan amount in $.
Enter the interest rate in %.
Enter the term in years.
Enter the origination fee in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Monthly payment
- $1,634.40
- Total interest
- $37,289.45
- Origination fee
- $2,000.00
- Total cost of borrowing
- $39,289.45
- Cash received
- $98,000.00
Quick answer
A business loan payment depends on the amount, rate and term; fees and daily-repayment structures can raise the effective cost sharply.
At a glance
| What it does | Repayments and cost of a business loan. |
|---|---|
| Category | Finance |
| Inputs needed | Loan amount, Interest rate, Term, Origination fee |
| Main output | Monthly payment |
| Cost | Free — no sign-up, no download |
How to use the Business Loan Calculator
- 1Enter the amount you need.
- 2Add the quoted rate and term.
- 3Include the origination fee percentage.
Inputs explained
- Loan amount($)
- Enter the loan amount in $.
- Interest rate(%)
- Enter the interest rate in %.
- Term(years)
- Enter the term in years.
- Origination fee(%)
- Enter the origination fee in %.
Worked example
Using the values the calculator loads with:
Inputs
- Loan amount100000 $
- Interest rate9.5 %
- Term7 years
- Origination fee2 %
Results
- Monthly payment$1,634.40
- Total interest$37,289.45
- Origination fee$2,000.00
- Total cost of borrowing$39,289.45
- Cash received$98,000.00
Frequently asked questions
What rate should I expect?
Bank and SBA loans run roughly 7–12%; online lenders can be far higher.
Is a shorter term better?
It costs less interest but strains cash flow — match the term to the asset's life.
What do I need to enter into the Business Loan Calculator?
Just 4 values: loan amount, interest rate, term, origination fee. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Business Loan Calculator work out the answer?
A business loan payment depends on the amount, rate and term; fees and daily-repayment structures can raise the effective cost sharply. The working is shown step by step so you can verify the result by hand.
Is the Business Loan Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.