Business Loan Calculator

Model term loans with optional origination fees, documentation fees, and other upfront costs. See nominal APR versus effective APR that includes fees spread...

Modify the values and click the Calculate button to use.
Results

Enter values and click Calculate.

Schedule

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Introduction

Model term loans with optional origination fees, documentation fees, and other upfront costs. See nominal APR versus effective APR that includes fees spread over the loan life.

Business Loan Analysis

Model term loans with optional origination fees, documentation fees, and other upfront costs. See nominal APR versus effective APR that includes fees spread over the loan life.

Fee Impact

A 2% origination fee on a five-year loan materially raises true borrowing cost even if the stated rate looks competitive. Results break out principal, interest, and fees in charts.

SBA and Bank Loans

SBA loans often have guarantee fees; banks may require personal guarantees. Cash-flow projections should cover debt service coverage ratios lenders require—typically 1.25x or higher.

Related Tools

Loan Calculator, Payback Period Calculator, ROI Calculator.

How It Works

  1. Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
  2. Click Calculate to run the Business Loan Calculator engine. Invalid or empty required fields show a clear error message.
  3. Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
  4. Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.

Formula

Monthly payment (amortizing loan): M = P * [r(1+r)^n] / [(1+r)^n - 1], where P is principal, r is monthly rate (APR/12), and n is number of months.

FAQ

Yes. CDCalculator.io provides the Business Loan Calculator at no charge for personal and educational use. Results are estimates and not financial advice.

The tool uses standard formulas lenders and planners use in spreadsheets. Your bank may round differently or include fees not modeled here.

Use the Copy Results and Print buttons on the calculator panel after you run a scenario. You can also share the page link with colleagues.

Focus on realistic rates, terms, and any extra payments or contributions. Small changes in APR or time horizon often move outcomes more than rounding.

No. Use this calculator to explore scenarios, then consult a qualified advisor or lender for decisions about other financial products.