Business Loan Calculator

Origination fees change economics. This amortizes payments AND solves the fee-adjusted APR lenders hope you ignore.

Loan amount

Interest rate

Term

years

Origination fee

Monthly payment

$2,100.19

How the Business Loan Calculator works

The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:

Typical origination fees?

Bank SBA-style loans ~3%; online lenders 0–8%. On $200k that's up to $16k before dollar one of interest math begins.

Factor-rate products?

Merchant cash advances quote 1.2–1.5 'factors' — deceptively cheap-looking APRs of 40–150%. Always annualize before signing.