Know your business loan payment before you apply
Estimate monthly payments, total cost, and how much you can borrow across term loans, cash advances, SBA, and equipment financing — in seconds.
Borrowing $50,000 at 12.0% over 36 months (3 yrs) costs about $1,661/mo.
Ready to get funded?
See what you actually qualify for. Applying takes minutes, won't affect your credit score, and there's no obligation.
- ✓ Funding in as little as 24 hours
- ✓ No cost to apply
Every loan type, one place
Compare term loans, merchant cash advances, SBA, and equipment financing side by side.
Honest, transparent math
See total cost and a true estimated APR — including for factor-rate products that hide it.
From estimate to offer
Like what you see? Get a real, no-obligation rate without touching your credit score.
Frequently asked questions
How does a business loan calculator work?+
You enter the amount, rate, and term, and the calculator applies a standard amortization formula to show your estimated monthly payment, total interest, and total cost. For merchant cash advances it uses the factor rate to show total payback and an estimated APR instead.
What's the difference between a factor rate and an interest rate?+
A factor rate (like 1.30) is a flat multiplier on the amount advanced — a $50,000 advance at 1.30 means you repay $65,000 regardless of how fast you pay it back. Interest rates accrue on the remaining balance over time, so paying early reduces what you owe. Our cash advance calculator estimates an equivalent APR so you can compare the two.
How much can I borrow for my business?+
Lenders typically size offers from your revenue and your capacity to make payments. As a rough guide, many businesses qualify for 10–30% of annual revenue. Use the “How much can I borrow?” tab to estimate a range from your monthly revenue and existing debt.
Are these numbers an official loan offer?+
No. These are estimates for planning only and not an offer or commitment to lend. Your actual rate and terms depend on your credit, time in business, industry, and the lender. Request your exact rate to get real numbers with no obligation.
Does checking my rate affect my credit score?+
Getting an estimate here never touches your credit. When you apply for a real quote, reputable lenders use a soft pull to present options, which does not affect your score. A hard pull only happens if you accept and move forward.