Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Monthly payment
$2,100.19
Total interest
$26,011
Total cost with fees
$129,011
Origination fee
$3,000
Cash actually received
$97,000
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How to use this
- 1Enter loan amount ($).
- 2Enter interest rate (%).
- 3Enter term (years).
- 4Enter origination fee (%).
- 5Read your monthly payment on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Business loans often carry origination fees that raise the real rate. This shows the payment and the all-in cost including fees.
Worked example
Using the values the calculator loads with:
Inputs
- Loan amount: 100000 $
- Interest rate: 9.5 %
- Term: 5 years
- Origination fee: 3 %
Results
- Monthly payment: $2,100.19
- Total interest: $26,011
- Total cost with fees: $129,011
- Origination fee: $3,000
- Cash actually received: $97,000
What each field means
Inputs
- Loan amount ($)
- The loan amount used in the calculation, measured in $. Starts at 100000 $ so you have a working example on load.
- Interest rate (%)
- The interest rate used in the calculation, measured in %. Starts at 9.5 % so you have a working example on load. Accepted range: 0–60 %.
- Term (years)
- The term used in the calculation, measured in years. Starts at 5 years so you have a working example on load. Accepted range: 0.5–30 years.
- Origination fee (%)
- The origination fee used in the calculation, measured in %. Starts at 3 % so you have a working example on load. Accepted range: 0–15 %.
Results
- Monthly payment
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total interest
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Total cost with fees
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Origination fee
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Cash actually received
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the business loan payment calculator work?
Business loans often carry origination fees that raise the real rate. This shows the payment and the all-in cost including fees. The underlying maths is: P = L × r ÷ (1 − (1+r)^−n)
What do I need to enter?
4 values: loan amount, interest rate, term, and origination fee. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the monthly payment result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Business Loan Payment Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/business-loan-payment
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/business-loan-payment" target="_blank" rel="noopener">Business Loan Payment Calculator — RevenueLab</a> (2026).</p>
Source: [Business Loan Payment Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/business-loan-payment) (2026).