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Business Loan Calculator
Calculate term loans, SBA loans, and lines of credit
Currency
Loan Type
Loan Amount
Interest & Fees
0%25%
0%5%
Loan Term
Collateral
Optional - for LTV calculation
Monthly Payment
$0.00
Effective Rate
0.00%
Including fees
Total Cost
$0.00
Interest + fees
Net Funds
$0.00
After fees
Loan Summary
Loan Amount
$0.00
Net After Fees
$0.00
Total Payments
$0.00
Total Interest
$0.00
Collateral Analysis
Collateral Value
$187,500.00
Loan-to-Value
0.0%
Coverage
May need more
Business Loan Types
Term Loans
Traditional fixed-rate loans with monthly payments over a set term. Best for: equipment purchases, expansion, working capital.
SBA Loans
Government-backed loans with lower rates and longer terms. Include guarantee fees (2-3.5%) and packaging fees. Best for: established businesses seeking favorable terms.
Lines of Credit
Flexible borrowing where you only pay interest on what you draw. Best for: managing cash flow, seasonal businesses, unexpected expenses.
Collateral typically required for loans over $50,000. Lenders prefer LTV ratios below 80%.