Business Loan Payment Calculator
Estimate your fixed payment, total interest, and total cost.
Estimate only — fixed, predictable payments with no daily debit. Your actual amount, rate, and terms depend on approval.
How this calculator works
This calculator uses standard amortization, the same math behind most fixed-payment business loans. You enter three things: the funding amount, the term in months, and the annual rate you've been quoted. It converts the annual rate to a monthly one, then solves for the single fixed payment that brings the balance to zero in the final month.
Early payments are mostly interest because the balance is at its highest. As the balance falls, each payment carries less interest and more principal. That's why paying down a fixed-payment loan early can save real money, as long as the loan has no prepayment penalty.
The weekly figure is the monthly payment times 12, divided by 52. Some business products collect weekly, so seeing both helps you picture the cash leaving your account. Total repayment is the monthly payment times the number of months, and total interest is what's left after you subtract the amount borrowed.
How to read your result
| Estimated monthly payment | The number to test against your cash flow. Hold it up against a slow month, not your best one. If the payment only works in a good month, the amount or the term needs another look. |
|---|---|
| Estimated weekly payment | The same payment spread over 52 weeks. Handy if you run the business week to week, or if a product you're comparing collects weekly. |
| Total interest | The cost of borrowing over the full term, assuming every scheduled payment is made and nothing is paid early. A longer term lowers the payment but usually raises this number. |
| Total repayment | Principal plus interest. It leaves out fees such as origination or closing costs, so ask for those separately when you line quotes up side by side. |
What lenders look at
The payment is only half the question. Whether a lender will offer that payment depends on your whole file. These factors come up on nearly every business loan; how much each one weighs varies by lender and product.
Cash flow
Whether the business brings in enough, consistently, to cover the new payment alongside what it already pays. Recent bank statements usually tell this story.
Time in business
A longer operating history gives a lender more to go on. Newer businesses have fewer options, so it pays to know which ones exist before you apply.
Credit profile
Personal and business credit both factor in. Checking your options with us doesn't touch your credit; a lender's full review later may.
Existing debt
Other loans, leases and especially cash advances compete for the same cash flow. Stacked daily debits are one of the most common reasons a file gets harder.
Purpose of funds
Equipment, real estate, inventory and working capital each fit different structures. Matching the loan to the purpose often gets you a better term.
Collateral
Some products are secured by equipment, property or receivables; others lean on cash flow alone. What you can pledge changes which programs fit.
A worked example
Say you're weighing $100,000 over 24 months. Before any interest, the principal alone works out to about $4,167 a month ($100,000 ÷ 24).
Interest is added on top of that. Enter the pricing from a real quote and the calculator shows the full fixed payment, the weekly equivalent and the total interest for the 24 months.
Now change the term to 36 months. The principal share drops to about $2,778 a month, so the payment falls. But you pay interest for twelve more months, so total interest goes up.
Common questions
How is the payment calculated?
We use standard amortization: your payment is the amount that fully repays the loan over the term at the given interest rate, with each payment covering interest plus a bit of principal.
Is this an offer or a guaranteed rate?
No. This is an estimate for planning only. Your actual amount, rate, and terms depend on approval and vary by deal.
What rate should I enter?
Use a rate you've been quoted, or try a range to see how it changes your payment. We'll give you real numbers when you pre-qualify.
Does a longer term always cost more?
Usually, in total interest, because you carry the balance longer. A longer term does lower the payment, which can be the right trade when cash flow is tight. Run both terms and compare the total repayment line before you decide.
Does the estimate include fees?
No. It shows principal and interest only. Origination fees, closing costs and other charges vary by lender and product, so ask for them in writing and add them in when you compare offers.
Your next step
Once the payment looks workable, the next move is matching it to the right product. Not sure where you stand? The free Capital Position Report is a good first step.
Term loan
A lump sum with a fixed payment, built for a project with a known cost.
Learn more →Business line of credit
Draw what you need, when you need it, and pay for what you use.
Learn more →Capital Position Report
A free, plain-English read on where your business stands with lenders.
Learn more →Checking your options takes about 2 minutes, doesn't affect your credit, and carries no obligation. Capco Capital is a commercial lending advisory firm operated by Capco Capital LLC. We arrange financing through third-party lenders as a loan broker and are compensated by the lender when a loan funds. We are not a lender and are not affiliated with the U.S. Small Business Administration.
Like the numbers? Let's make them real.
Check your options in two minutes with no credit pull and no obligation, or call (337) 270-2036.
