Estimate a business loan payment from loan amount, interest rate, term, and origination fee, with total paid, total interest, cash received, and total cost.
$50,000 at 9.5% for 5 years
APR, fees, underwriting, collateral, guarantees, draw schedules, tax effects, and repayment terms can change the real business loan cost.
Estimate a monthly payment before asking for business financing.
See how an origination fee changes cash received and total cost.
Compare rate, term, and fee changes without judging only by payment.
Check whether the cash left after fees still fits the project, equipment, or working-capital plan.
About $1,050.09/month, $13,005.58 interest, $49,000 cash received, and $64,005.58 total cost with fee
About $1,165.20/month, $2,964.70 interest, and $24,250 cash received
About $1,571.11/month and $31,972.90 interest
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate a monthly payment before asking for business financing. See how an origination fee changes cash received and total cost. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Loan amount means the full amount used for payment math, even if a fee means you receive less cash. Interest rate means the annual rate used for the fixed monthly payment estimate. Loan term means how many years the payment is spread over. Origination fee means a lender fee as a percent of the loan amount; the calculator shows it separately so the cash received is clearer.
It calculates the monthly payment from the full loan amount, then estimates the origination fee separately. If the fee is taken from the proceeds, cash received after fee can be lower than the amount you have to repay.
A longer term can lower the monthly payment while raising total interest. A fee can also reduce the cash you actually receive. Compare payment, total interest, cash received, and total cost with fee together.
No. SBA-backed loans and regular business loans can have lender rules, eligibility checks, collateral questions, credit reviews, and documents that this calculator cannot judge.
APR can help compare offers because it can include credit costs, while the interest rate is used for basic payment math. Ask the lender what fees are included before comparing one offer against another.
In plain language: The calculator uses the fixed-payment loan formula, estimates the origination fee from the loan amount, subtracts that fee from cash received, then adds fee context to the total cost. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
Start with the headline number, then use the supporting lines to see why the answer moved. For finance calculators, the extra lines often explain interest, tax, fees, principal, payment timing, or totals paid over time. Those pieces matter because two results can look close at first but cost very different amounts later.
This is a planning estimate only. It does not approve financing or include underwriting, collateral, variable rates, draw schedules, tax effects, SBA eligibility, merchant cash advance terms, late fees, prepayment penalties, or lender approval. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
Check the rate, time period, compounding or payment frequency, and whether the value is before tax or after tax. A common mistake is mixing monthly and yearly numbers, which can make a finance answer look believable even when it is off by a lot.
Not really. Merchant cash advances can be repaid from sales with different fees and timing. Use this calculator for fixed-payment loan estimates, then read any cash-advance agreement separately.
Check whether the loan has variable rates, prepayment rules, collateral, personal guarantees, draw schedules, late fees, tax effects, or lender fees that are not in the calculator.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.