Business Loan Calculator
Calculate business loan payments and analyze your loan qualification. Compare loan types, understand cash flow impact, and assess business lending readiness.
1.25x
Min DSCR
680+
Min Credit
SBA
Best Rates
2yrs
Min History
Loan Details
Typical rate: 8.50%
$
$
%
Varies by credit, business age, and loan type
Max for Term Loan: 10 years
Business Information
$
$
$
$
Loan Analysis
Monthly Payment
$0
Principal + Interest
Total Cost
$0
$0 in interest
Cash Flow Impact
Monthly Net Income
$15,000
Total Debt Service
$2,000
Remaining Cash Flow
$0
Key Lending Ratios
Debt-to-Income
0.00%
Target: <40%
Debt Service Coverage
0.00x
Target: >1.25x
Loan-to-Value
0.00%
Target: <80%
Loan Risk Assessment: Moderate Risk
Loan Type Quick Comparison
| Loan Type | Typical Rate | Max Term | Best For |
|---|---|---|---|
| Term Loan | 8.50% | 10 years | General business needs |
| SBA Loan | 11.50% | 25 years | Lower rates, longer terms |
| Equipment Financing | 9.50% | 7 years | Equipment purchases |
| Line of Credit | 12.00% | 2 years | Working capital |
| Invoice Factoring | 15.00% | 1 years | Quick cash flow |
| Merchant Cash Advance | 35.00% | 1 years | Emergency funding |
Business Loan Guide
SBA Loans
SBA-backed loans offer lower rates and longer terms but require more paperwork and time to close.
Build Business Credit
Establish business credit separate from personal credit to qualify for better rates and terms.
Cash Flow Management
Maintain strong cash flow and financial records to improve loan approval odds and rates.
