Business Loan Calculator

Q: What’s a good interest rate for a business loan?

Business loan APRs typically range from 4% to 30% , depending on credit, lender, and loan type.

Use the free Business Loan Calculator by Calculator Hub HQ to estimate monthly payments, total interest, and overall loan cost for your small or large business. Whether you’re starting a new venture or expanding an existing company, calculate your financing with confidence.

What is a Business Loan Calculator?

A Business Loan Calculator is a financial tool designed to help business owners and entrepreneurs estimate the cost of borrowing. It calculates key figures such as:

Monthly loan payments
Total repayment amount
Interest paid over the loan term
Amortization breakdown

Whether you’re applying for a startup loan, equipment financing, or working capital, the Business Loan Calculator by Calculator Hub HQ gives you a clear view of your borrowing costs before committing.

Business Loan Calculator

Loan Amount

Interest Rate

Compound

Loan term

Years

Months

Pay Back

Origination fee

Documentation fee

Other fees

Why Use Calculator Hub HQ’s Business Loan Calculator?

Instant Results – See your estimated payments in seconds
Flexible Inputs – Adjust loan amount, interest rate, and term to fit your needs
Supports All Loan Types – SBA loans, term loans, lines of credit, and more
Free & User-Friendly – No downloads or signups required
Works on All Devices – Use it on mobile, tablet, or desktop

What You Can Calculate:

Our Business Loan Calculator provides:

Estimated Monthly Payment – Based on loan amount, interest rate, and repayment period
Total Interest Paid – Over the full loan term
Total Loan Cost – Principal + interest
Loan Amortization (optional) – Breakdown of payments over time

This helps you evaluate how affordable a business loan will be and compare different loan offers side-by-side.

How to Use the Business Loan Calculator:

Enter the loan amount – Total amount you plan to borrow
Set the interest rate – Use an estimated or quoted APR
Choose the loan term – In months or years
Select payment frequency – Monthly, bi-weekly, or yearly
Click “Calculate” – Instantly view your results

Business Loan Use Cases:

Business loans can fund a wide range of needs, including:

Startup capital
Equipment or machinery purchases
Office expansion or renovation
Hiring and payroll
Inventory or supplies
Marketing and advertising

Our calculator helps you understand how each of these goals affects your cash flow and long-term costs.

Frequently Asked Questions

Can I use this calculator for SBA loans?

Yes! Our calculator works for all business loan types, including SBA 7(a), 504, and microloans.

What’s a good interest rate for a business loan?

Business loan APRs typically range from 4% to 30%, depending on credit, lender, and loan type.

Will this calculator work for a business line of credit?

It works best for fixed-term loans. For revolving credit or variable interest rates, use an average balance and rate for estimation.

Make Smarter Business Financing Decisions

Before you take on a business loan, make sure you understand the full cost of borrowing. The Business Loan Calculator by Calculator Hub HQ gives you the insights you need to plan confidently, manage your cash flow, and make informed financial decisions.

Try it now—fast, free, and built for business success.