Business Loan Payment Calculator

Monthly payment, total interest, and total repaid for an amortizing loan — plus what a shorter or longer term does to the bill. Free, no signup, nothing leaves your browser.

The Loan

The APR on an amortizing term loan
Origination, packaging, closing — folded into the true cost below

The Payments

Monthly payment
—
Total repaid—
Total interest—
Interest + upfront fees—
All-in cost per $1 borrowed—

Quoted daily payments or a factor rate instead of an APR? Use the true cost calculator — it works backwards from the payments.

Same Loan, Different Terms

TermMonthly paymentTotal interestvs. your term

The term is a price lever, not a formality

Stretching a loan from five years to seven drops the monthly payment and quietly raises the total interest by thousands — lenders lead with the payment because it's the number that feels like the price. It isn't. The price is total interest plus fees, and the term is the biggest dial on it that you control. Pick the shortest term whose payment your worst realistic month can carry, not your best one.

Comparing more than one offer?

The Business Loan Comparison Workbook (Pro) lines up to five offers side by side — real APR, total cost, amortization, and the cash-flow impact of each payment schedule — plus a lender-package checklist. One-time $29, Excel & LibreOffice, no macros.

Try the true cost calculator

Educational tool — not financial advice. Verify every figure against your actual loan documents.