Estate Tax Calculator
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Business Loan Calculator
Estimate monthly payment, total interest, origination fee impact, net funding received, and extra-payment savings for a business term loan.
Business Loan Calculator
Use this free business loan calculator to estimate monthly payment, total interest, origination-fee impact, and repayment timeline for a fixed-rate term loan. It works well alongside the Loan Interest Calculator, the Payment Calculator, and the wider Financial Calculators category.
Loan Details
Business Inputs
Quick Notes
Origination fees reduce usable funding even when the loan principal stays the same.
Extra payment assumptions help estimate faster payoff and interest savings.
Payment-to-revenue ratio is a rough pressure metric, not a full cash-flow analysis.
Results
business viewBusiness Loan Scenario Loaded
The scheduled payment is $3,150.28 per month, and extra payments could save $5,685.74 in interest.
Loan Summary
Loan Amount$150,000.00
Origination Fee$3,750.00
Net Funding Received$146,250.00
Monthly Payment$3,150.28
Total of 60 Loan Payments$189,016.70
Total Loan Interest$39,016.70
Business Position
Planned Monthly Payment$3,550.28
Payment to Revenue12.7%
Interest Saved with Extra Pay$5,685.74
Months Saved8 months
Monthly Revenue$28,000.00
Loan Term60 months
Business loan schedule
Month-by-month repayment view showing payment split, extra principal reduction, and remaining loan balance.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $3,550.28 | $2,362.78 | $1,187.50 | $147,637.22 |
| 2 | $3,550.28 | $2,381.49 | $1,168.79 | $145,255.73 |
| 3 | $3,550.28 | $2,400.34 | $1,149.94 | $142,855.39 |
| 4 | $3,550.28 | $2,419.34 | $1,130.94 | $140,436.05 |
| 5 | $3,550.28 | $2,438.49 | $1,111.79 | $137,997.56 |
| 6 | $3,550.28 | $2,457.80 | $1,092.48 | $135,539.76 |
| 7 | $3,550.28 | $2,477.26 | $1,073.02 | $133,062.50 |
| 8 | $3,550.28 | $2,496.87 | $1,053.41 | $130,565.63 |
| 9 | $3,550.28 | $2,516.64 | $1,033.64 | $128,048.99 |
| 10 | $3,550.28 | $2,536.56 | $1,013.72 | $125,512.43 |
| 11 | $3,550.28 | $2,556.64 | $993.64 | $122,955.79 |
| 12 | $3,550.28 | $2,576.88 | $973.40 | $120,378.91 |
What is a business loan calculator?
A business loan calculator is a financing-planning tool that estimates the payment and repayment cost of a business term loan. Instead of looking only at the approved principal, it helps you see what the monthly obligation will be, how much total interest the loan can generate, and how much usable funding remains after fees.
This is useful for expansion loans, working-capital planning, equipment purchases, and refinance decisions when you need a quick but structured view of affordability. For broader debt analysis, compare the result with the Loan Interest Calculator, the Payment Calculator, and the Financial Calculators directory.
How this calculator works
The calculator starts with loan amount, annual rate, and term to compute the required monthly payment using standard fixed-rate amortization math. It then estimates origination-fee cost and subtracts that fee from principal to show the net funding that may actually reach the business.
If you add an extra monthly payment, the calculator rebuilds the schedule with faster principal reduction to estimate interest savings and shortened payoff time. It also compares the planned payment to monthly revenue as a quick operating-pressure metric. If you want to test return on the borrowed capital, continue into the ROI Calculator or the Break Even Calculator.
Worked example
The default example uses a $150,000.00 business loan with a 60-month term, a 9.5% annual rate, and a small recurring extra payment to show how payoff acceleration changes total interest.
Example inputs
Loan amount$150,000.00
Interest rate9.5%
Term60 months
Monthly revenue$28,000.00
Example result
In the default example, the business loan produces a scheduled payment of $3,150.28 per month. After the origination fee, net funding received is about $146,250.00. With the example extra payment, the business could save roughly $5,685.74 in interest while modestly reducing payoff time.
Frequently asked questions
A business loan calculator estimates monthly payment, total interest, total repayment, origination fee impact, and the way extra payments could shorten the payoff period. It is useful for term loans, expansion financing, equipment financing, and working-capital loans that follow a standard amortized structure.
Related financial tools
Continue from business borrowing into payment planning, return analysis, and break-even modeling with these related tools.
If you are deciding whether a business loan can support growth, it also helps to review the Loan Interest Calculator, the Payment Calculator, and the ROI Calculator before finalizing your financing plan.
Explore This Tool in Context
Business Loan Calculator is part of the Financial Calculators collection. If you want a broader view of similar workflows, open the Financial Calculators category page or browse all QuickTools categories.
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