See the real cost of financing — your monthly payment, total interest, and total cost on a business loan.
Estimate for a fixed-rate, fully-amortizing loan. Origination fees, factor-rate financing, and variable rates change the real cost — read the terms. General information, not a loan offer.
A fixed-rate loan is amortized into equal payments. The total interest — and the cost per dollar borrowed — tell you the true price of the money, which matters far more than the monthly payment alone.
Payment = amount × r ÷ (1 − (1+r)⁻ⁿ)
Merchant cash advances and some online lenders quote a "factor rate," not an APR. A 1.3 factor on $50k means $65k repaid — often a very high effective APR. Convert everything to APR to compare.
Yes — less time accruing interest means lower total cost, even though the monthly payment is higher.
Related: loan calculator · amortization calculator · break-even units calculator · all free calculators.
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Yes. The Business Loan Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
Yes. The calculator is mobile-friendly and works on any phone, tablet, or computer — there is no app to install and nothing to save.
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Last reviewed: September 2026. Free to use, no signup — Business Loan Calculator by ToolWise Digital.
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