Business Loan Calculator

🏢 Business Loan Repayment & Amortization Schedule Calculator

Business Loan CalculatorBusiness Loan Calculator

This calculator estimates total payments, interest, fees, and the true APR of a business loan.

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Description

💼 Business Loan Calculator

The Business Loan Calculator is a comprehensive tool designed to help entrepreneurs, small business owners, and corporate borrowers understand the true cost of financing. This calculator goes beyond simple interest calculations by including origination fees, documentation fees, and other charges, allowing you to estimate the real APR (Annual Percentage Rate) and the total repayment burden.

🧮 What It Calculates:

  • Monthly loan payments

  • Total interest paid over the loan term

  • Total repayment amount

  • Real APR including all associated fees

  • Amortization schedule

🔍 Why It Matters:

Traditional interest rates don’t always tell the full story. Banks and lenders often add processing, underwriting, and administrative fees to business loans. These additional costs can significantly increase the actual cost of borrowing. This calculator shows the difference between advertised interest rates and the effective APR so that business borrowers can make smarter, more transparent financial decisions.

🏢 Who Should Use This:

  • Small business owners applying for startup or working capital loans

  • Entrepreneurs evaluating different loan offers

  • Financial planners and accountants preparing loan projections

  • Investors assessing commercial lending options

📌 Key Inputs:

  • Loan amount

  • Nominal interest rate

  • Loan term (years + months)

  • Payment frequency (monthly)

  • Origination fee (% of loan)

  • Fixed documentation and miscellaneous fees

📈 Features:

  • Calculates true APR including fees

  • Displays monthly payment amount

  • Breaks down interest vs. principal allocation

  • Shows an amortization table

  • Visual breakdown of principal, interest, and fees as a percentage of the total repayment

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Make informed business financing decisions with the Business Loan Calculator and take control of your company’s financial future!

It helps calculate monthly payments, total interest, total repayment, and the real APR by including all fees and charges, giving you a complete picture of your loan costs.

The real APR includes origination fees and other charges, showing the true cost of borrowing beyond just the nominal interest rate, helping you compare loan offers accurately.

Yes, it supports customizable loan terms (years and months) and payment frequencies, typically monthly payments.

Include origination fees (percentage of loan), documentation fees, and any other fixed miscellaneous fees related to the loan.