Business Loan Calculator
Estimate monthly payment, total interest, and amortization schedule based on loan amount, interest rate, and term.
Business Loan Calculator
Estimate monthly payments, total interest, and an amortization schedule.
Enter loan details
Optional. If provided, we add it to the financed principal.
Optional. Extra payments reduce total interest and payoff time.
Your Results
Amortization schedule
Showing 60 periods (monthly).
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,100 | $1,309 | $792 | $98,691 |
| 2 | $2,100 | $1,319 | $781 | $97,373 |
| 3 | $2,100 | $1,329 | $771 | $96,043 |
| 4 | $2,100 | $1,340 | $760 | $94,703 |
| 5 | $2,100 | $1,350 | $750 | $93,353 |
| 6 | $2,100 | $1,361 | $739 | $91,992 |
| 7 | $2,100 | $1,372 | $728 | $90,620 |
| 8 | $2,100 | $1,383 | $717 | $89,237 |
| 9 | $2,100 | $1,394 | $706 | $87,843 |
| 10 | $2,100 | $1,405 | $695 | $86,439 |
| 11 | $2,100 | $1,416 | $684 | $85,023 |
| 12 | $2,100 | $1,427 | $673 | $83,596 |
| 13 | $2,100 | $1,438 | $662 | $82,157 |
| 14 | $2,100 | $1,450 | $650 | $80,708 |
| 15 | $2,100 | $1,461 | $639 | $79,246 |
| 16 | $2,100 | $1,473 | $627 | $77,773 |
| 17 | $2,100 | $1,484 | $616 | $76,289 |
| 18 | $2,100 | $1,496 | $604 | $74,793 |
| 19 | $2,100 | $1,508 | $592 | $73,285 |
| 20 | $2,100 | $1,520 | $580 | $71,765 |
| 21 | $2,100 | $1,532 | $568 | $70,233 |
| 22 | $2,100 | $1,544 | $556 | $68,688 |
| 23 | $2,100 | $1,556 | $544 | $67,132 |
| 24 | $2,100 | $1,569 | $531 | $65,563 |
| 25 | $2,100 | $1,581 | $519 | $63,982 |
| 26 | $2,100 | $1,594 | $507 | $62,389 |
| 27 | $2,100 | $1,606 | $494 | $60,782 |
| 28 | $2,100 | $1,619 | $481 | $59,163 |
| 29 | $2,100 | $1,632 | $468 | $57,531 |
| 30 | $2,100 | $1,645 | $455 | $55,887 |
| 31 | $2,100 | $1,658 | $442 | $54,229 |
| 32 | $2,100 | $1,671 | $429 | $52,558 |
| 33 | $2,100 | $1,684 | $416 | $50,874 |
| 34 | $2,100 | $1,697 | $403 | $49,177 |
| 35 | $2,100 | $1,711 | $389 | $47,466 |
| 36 | $2,100 | $1,724 | $376 | $45,741 |
| 37 | $2,100 | $1,738 | $362 | $44,003 |
| 38 | $2,100 | $1,752 | $348 | $42,251 |
| 39 | $2,100 | $1,766 | $334 | $40,486 |
| 40 | $2,100 | $1,780 | $321 | $38,706 |
| 41 | $2,100 | $1,794 | $306 | $36,912 |
| 42 | $2,100 | $1,808 | $292 | $35,104 |
| 43 | $2,100 | $1,822 | $278 | $33,282 |
| 44 | $2,100 | $1,837 | $263 | $31,445 |
| 45 | $2,100 | $1,851 | $249 | $29,594 |
| 46 | $2,100 | $1,866 | $234 | $27,728 |
| 47 | $2,100 | $1,881 | $220 | $25,847 |
| 48 | $2,100 | $1,896 | $205 | $23,952 |
| 49 | $2,100 | $1,911 | $190 | $22,041 |
| 50 | $2,100 | $1,926 | $174 | $20,116 |
| 51 | $2,100 | $1,941 | $159 | $18,175 |
| 52 | $2,100 | $1,956 | $144 | $16,218 |
| 53 | $2,100 | $1,972 | $128 | $14,247 |
| 54 | $2,100 | $1,987 | $113 | $12,259 |
| 55 | $2,100 | $2,003 | $97 | $10,256 |
| 56 | $2,100 | $2,019 | $81 | $8,237 |
| 57 | $2,100 | $2,035 | $65 | $6,202 |
| 58 | $2,100 | $2,051 | $49 | $4,151 |
| 59 | $2,100 | $2,067 | $33 | $2,084 |
| 60 | $2,100 | $2,084 | $16 | $0 |
How this loan calculator works
The Business Loan Calculator in figflows is designed to give you a fast and practical estimate without requiring an account or sending your data to a server. You can explore different scenarios by changing inputs and immediately seeing how the outputs respond.
We keep the experience static-first and SEO-friendly: the page content is pre-rendered at build time, and only the calculator itself runs on the client. That approach keeps the site fast while still delivering interactive results.
Use this page as a planning tool: start with realistic inputs, then adjust one variable at a time to understand what matters most. If you’re using this calculator for budgeting, it’s often helpful to run a “best case,” “expected,” and “worst case” scenario and compare the deltas.
Quick steps
- Enter your inputs in the form above. You can adjust values to compare scenarios.
- We compute results instantly in your browser (no server calls), so your inputs stay on your device.
- Use the output cards to understand the “headline” result, then review the breakdown/table for details.
Limitations & important notes
Loan offers depend on lender terms, fees, and underwriting. Use this as a planning tool and confirm details with your lender.
For the most accurate outcome, confirm assumptions (rates, fees, coverage details, and thresholds) against current official sources or provider documents. We’ll continue improving the underlying reference datasets over time.
Practical guidance for Business Loan Calculator
What this loan calculator is best for
A term loan is a simple structure: you borrow a fixed amount and repay it over a set term with interest. This calculator helps you estimate monthly payment, total interest, and an amortization schedule so you can decide whether the payment fits your cash flow.
Use it to compare offers, decide on a term length, and quantify the impact of rate changes. Even a 1–2% rate difference can change total interest meaningfully over multi-year terms.
How to compare offers
- Compare APR and fees (origination, closing costs).
- Look at term length: longer terms lower payments but increase interest.
- Check prepayment penalties if you might pay early.
- Model your worst-month cash flow, not your average month.
Using the amortization table
The schedule shows how early payments are mostly interest and later payments shift toward principal. If you plan to refinance or pay early, look at the remaining principal after 12–24 months to understand payoff cost and savings.
Business Loan FAQ
What is amortization?
Amortization is how a loan is paid down over time through regular payments that include interest and principal.
Do extra payments reduce interest?
Often yes. Extra payments reduce principal faster, which can reduce total interest and shorten the payoff time.
What fees should I consider?
Common fees include origination fees, closing costs, and prepayment penalties (if applicable).
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