justyourcalculatorBusiness Loan Calculator
Your business loan payment and what it really costs once fees are counted.
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Business Loan Calculator
Business loan payment, fees and real APR
Fees are paid from the loan, so you receive less than you borrow.
Payment every month
$2,075.84
- Amount you receiveAfter $2,500.00 in fees
- $97,500.00
- Total of 60 payments
- $124,550.13
- Total interest
- $24,550.13
- Total fees
- $2,500.00
- Total cost of the loan
- $27,050.13
- Real APRStated rate 9%
- 10.089%
- Principal$100,000
- Interest$24,550
- Fees$2,500
- Balance
- Interest paid
- Principal paid
| Period | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Year 1 | $24,910.03 | $8,327.02 | $16,583.00 | $83,417.00 |
| Year 2 | $24,910.03 | $6,771.42 | $18,138.60 | $65,278.40 |
| Year 3 | $24,910.03 | $5,069.90 | $19,840.13 | $45,438.27 |
| Year 4 | $24,910.03 | $3,208.76 | $21,701.27 | $23,737.00 |
| Year 5 | $24,910.03 | $1,173.03 | $23,737.00 | $0.00 |
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How the business loan calculator works
The payment is the standard installment formula using the rate per payment period, converted from the stated rate and its compounding. Weekly or biweekly payback is common for online and short-term business lenders.
Fees are taken from the loan, so you get less money but repay the full amount. The real APR is the yearly rate at which the money you actually receive equals your payments, which is the fairest way to compare offers.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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