Business Loan Calculator
Calculate fee-adjusted payments, loan proceeds, and annual percentage rate.
Calculate a loan payment and cash-flow APR including fees and insurance.
Result
- Principal
- Interest
Calculation details
Scroll horizontally or vertically to see more. Download CSV for the complete schedule.
| Period | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | 1,110.21 | 500 | 610.21 | 99,389.79 |
| 2 | 1,110.21 | 496.95 | 613.26 | 98,776.54 |
| 3 | 1,110.21 | 493.88 | 616.32 | 98,160.22 |
| 4 | 1,110.21 | 490.80 | 619.40 | 97,540.81 |
| 5 | 1,110.21 | 487.70 | 622.50 | 96,918.31 |
| 6 | 1,110.21 | 484.59 | 625.61 | 96,292.70 |
| 7 | 1,110.21 | 481.46 | 628.74 | 95,663.96 |
| 8 | 1,110.21 | 478.32 | 631.89 | 95,032.07 |
| 9 | 1,110.21 | 475.16 | 635.04 | 94,397.03 |
| 10 | 1,110.21 | 471.99 | 638.22 | 93,758.81 |
| 11 | 1,110.21 | 468.79 | 641.41 | 93,117.40 |
| 12 | 1,110.21 | 465.59 | 644.62 | 92,472.78 |
| 13 | 1,110.21 | 462.36 | 647.84 | 91,824.94 |
| 14 | 1,110.21 | 459.12 | 651.08 | 91,173.86 |
| 15 | 1,110.21 | 455.87 | 654.34 | 90,519.52 |
| 16 | 1,110.21 | 452.60 | 657.61 | 89,861.91 |
| 17 | 1,110.21 | 449.31 | 660.90 | 89,201.02 |
| 18 | 1,110.21 | 446.01 | 664.20 | 88,536.82 |
| 19 | 1,110.21 | 442.68 | 667.52 | 87,869.30 |
| 20 | 1,110.21 | 439.35 | 670.86 | 87,198.44 |
| 21 | 1,110.21 | 435.99 | 674.21 | 86,524.23 |
| 22 | 1,110.21 | 432.62 | 677.58 | 85,846.64 |
| 23 | 1,110.21 | 429.23 | 680.97 | 85,165.67 |
| 24 | 1,110.21 | 425.83 | 684.38 | 84,481.29 |
| 25 | 1,110.21 | 422.41 | 687.80 | 83,793.49 |
| 26 | 1,110.21 | 418.97 | 691.24 | 83,102.26 |
| 27 | 1,110.21 | 415.51 | 694.69 | 82,407.56 |
| 28 | 1,110.21 | 412.04 | 698.17 | 81,709.40 |
| 29 | 1,110.21 | 408.55 | 701.66 | 81,007.74 |
| 30 | 1,110.21 | 405.04 | 705.17 | 80,302.57 |
| 31 | 1,110.21 | 401.51 | 708.69 | 79,593.88 |
| 32 | 1,110.21 | 397.97 | 712.24 | 78,881.64 |
| 33 | 1,110.21 | 394.41 | 715.80 | 78,165.85 |
| 34 | 1,110.21 | 390.83 | 719.38 | 77,446.47 |
| 35 | 1,110.21 | 387.23 | 722.97 | 76,723.50 |
| 36 | 1,110.21 | 383.62 | 726.59 | 75,996.91 |
How to use this calculator
Calculate a loan payment and cash-flow APR including fees and insurance. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.
Calculation formula
APR solves net proceeds against all periodic loan payments and insurance charges.
Assumptions and accuracy
Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.
Choose what to calculate
Business loan calculator with origination fees
Estimate business-loan payments and borrowing cost with entered fees, term and repayment frequency. The model does not determine lender approval or eligibility.
Open this calculationUnderstanding this calculation
Estimate business-loan payments and fee-inclusive borrowing cost. Origination charges, documentation fees, insurance and fee treatment can affect proceeds and APR differently.
Worked examples
Separate business borrowing fees from principal repayment
Illustrative inputs are specified in the steps below; the example link loads the complete settings. Unmentioned settings use the linked defaults.
- With all fees and insurance zero, twelve monthly payments of 1,000 repay 12,000 at zero interest. Adding origination fees would change effective borrowing cost.
Payment per period: 1,000 USD.
Try these inputsMonthly repayment with a 12% nominal annual rate
Principal 12,000 USD; 12 monthly payments; 12% nominal annual rate with monthly compounding. Fees and taxes are zero in this scenario.
- Monthly rate = 12% / 12 = 1%.
- Payment = 12000 × 0.01 / (1 − 1.01^(−12)).
- Check both the installment and the schedule; the final installment may be limited to the remaining balance.
Payment per period: 1066.19 USD.
Try these inputsCommon questions
Why can business loan proceeds be lower than principal?
Fees deducted at origination reduce the cash received while repayment can still be based on the stated loan balance.
Should I compare business loans by payment alone?
No. Compare proceeds, fees, term and modeled APR; a low installment can result from a longer repayment period.
Scope and assumptions
The model is an installment loan, not a full merchant-cash-advance or variable draw facility. Verify contract-specific charges and repayment timing.
Sources
- Calculation methodology, rule versions and testing limitations
- Reference calculator for feature comparison (not a model-parity certification)
Calculation notes checked . Examples are mathematical checks under the stated assumptions.
Calculation methods and formulas
Business Loan
Calculate a loan payment and cash-flow APR including fees and insurance.
APR solves net proceeds against all periodic loan payments and insurance charges.
See our calculation methodology and review status for data versions, rounding and validation limitations.