Business Loan Calculator
Estimate your monthly payment, total repayment, and interest cost for any business loan. Toggle to MCA mode for factor rate products.
Estimated Costs
Monthly Payment
$4,992
Total Repayment
$119,818
Total Interest / Cost
$19,818
This calculator is for estimation purposes only. Actual terms depend on lender qualification, business history, creditworthiness, and other factors.
This calculator is for estimation purposes only. Actual terms depend on lender qualification, credit profile, and business financials. Monthly payments shown assume a fixed-rate amortized loan.
What These Numbers Mean for Your Business
Monthly Payment
This is what comes out of your business bank account every month. Run this against your average monthly profit — a rule of thumb is monthly debt service should not exceed 15–20% of gross monthly revenue.
Total Interest Cost
This is the real cost of the capital. A $250K loan at 25% APR over 24 months costs roughly $72K in interest. That's the opportunity cost. Compare it to the revenue you expect to generate with those funds.
Equivalent APR (MCA)
MCA providers use factor rates, not APRs. But you should always convert to APR to compare fairly against term loans. A 1.30 factor rate over 8 months is approximately 67% APR — significantly more expensive than most term loans.
Frequently Asked Questions
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