Finance
Business Loan Payment Calculator
Estimate payments, interest, and effective cash received for a business loan with an origination fee. The calculator uses payment = principal × periodic rate ÷ (1 − (1 + periodic rate)^−periods). It returns more than one result so you can check the main answer against a useful secondary measure. Fees reduce usable proceeds even when they do not change the stated principal. Variable rates, covenants, balloon payments, guarantees, and tax treatment need contract-level review.
Educational scenario only. Confirm rates, fees, taxes, contract terms, and eligibility with the relevant institution or adviser.
Calculate and compare
Use the number box for precision or the slider for fast scenario testing.
Scenario results
Payment per period
$2,625.23
Based on 12 payments per year.
Total interest
$32,513.96
Scheduled payments minus principal.
Net proceeds after fee
$122,500
Origination fee: $2,500.
How the calculation works
Use consistent units and retain full precision until the final display step.
Worked example
Reproduce the displayed scenario, then change one assumption at a time.
Assumptions behind the result
- • Inputs use the units shown beside each control.
- • The displayed formula is applied without hidden market or demographic data.
- • Rounding occurs only for display; calculations keep full numeric precision.
- • Fees reduce usable proceeds even when they do not change the stated principal.
- • Variable rates, covenants, balloon payments, guarantees, and tax treatment need contract-level review.
Mistakes that change the answer
- • Mixing percentages with decimals or mixing incompatible units.
- • Relying on a rounded intermediate value instead of the full result.
- • Changing several assumptions at once instead of testing loan principal separately.