Business Loan Calculator - Calculator See


Business Loan Calculator

Calculate commercial business loan payments, SBA 7(a) loan financing, total interest charges, and debt service coverage.

Calculator Inputs

$
Capital requested.
%
SBA or commercial rate.
Repayment duration.
%
Upfront fees rolled into loan.

Calculated Results

Monthly Business Loan Payment
$2,363.99 / month
Total Financing Cost $283,678.80
Total Interest Accrued $83,678.80
Annual Debt Service $28,367.88 / yr
Values calculate live as you adjust inputs.

About Business Loan Calculator

Computes debt service requirements for commercial enterprises, working capital loans, and Small Business Administration (SBA) financing.

What is Business Loan Calculator?

Computes debt service requirements for commercial enterprises, working capital loans, and Small Business Administration (SBA) financing.

How to Use This Calculator

  1. Enter loan principal.
  2. Enter interest rate and loan term.
  3. Add origination fee percentage.
  4. Review monthly debt service and annual cash flow requirements.

The Mathematical Formula & Variables

Monthly Installment = Principal * (r*(1+r)^n) / ((1+r)^n - 1)

Step-by-Step Worked Example

Scenario: $200,000 loan at 7.5% over 10 years (120 months).

  1. r = 0.075 / 12 = 0.00625; n = 120.
  2. Monthly payment = $2,374.04.
  3. Annual debt service = $28,488.48.

Result: $2,374.04 / month

Frequently Asked Questions

What is Debt Service Coverage Ratio (DSCR)?

DSCR is Net Operating Income divided by Annual Debt Service. Commercial lenders usually require a DSCR of at least 1.25x.