Business Loan Calculator

How it works

Matching business loan payments to cash flow

Match the payment frequency to the schedule in the proposed business loan agreement. A monthly payment cannot be compared directly with a weekly payment without also considering how many payments occur. Review total repayment and the timing of installments alongside your expected business cash flow. The calculation models the entered loan terms; it does not forecast revenue available to make those payments.

Loan & schedule: formula and assumptions

Payment = P × r / [1−(1+r)^−n], where r is the monthly rate.

Equal monthly payments amortize a fixed-rate loan. Extra payments reduce principal after the regular payment.

Payment & compounding frequencies: formula and assumptions

Periodic rate=(1+nominal rate/compounds)^(compounds/payments)−1; payment=P×i/[1−(1+i)^−n].

The term must give a whole number of payments. Upfront fees reduce net proceeds for the modeled APR but do not change the amount repaid. This is not a jurisdiction-specific APR disclosure.

Worked example

Reference example currency: USD. These fixed examples do not change with your calculator preferences.

Using the Loan & schedule example:

Loan amount ($)

250000

Annual interest rate (%)

6.5

Term (years)

30

Extra monthly payment ($)

0

First payment month

2026-11-01

Payment = P × r / [1−(1+r)^−n], where r is the monthly rate.

Example result

These are illustrative inputs. Change the values to explore a different scenario.

What to keep in mind

Fees, variable rates, collateral requirements, and lender-specific payment conventions are not automatically included.

Formula references

• CFPB: understanding mortgages (opens in a new tab)
• Investor.gov: financial tools and calculators (opens in a new tab)

References explain the underlying methods; they do not imply endorsement or individual professional review of Finflo.

Common questions