Business Loan Calculator
Calculate business loan payments including factor rates and merchant cash advances.
How Business Loans Work
Business loans come in two main forms: Term Loans use standard amortization with an interest rate (like traditional bank loans), while Merchant Cash Advances (MCAs) use a factor rate (e.g., 1.25 means you repay $1.25 for every $1 borrowed). Factor rates translate to much higher APRs than they appear. Always calculate the total cost and effective APR to compare financing options.
About this Calculator
The Business Loan Calculator is a free, easy-to-use tool for business, loan, payment. Simply enter your values and get instant, accurate results — no signup, no ads, no tracking. All calculations run locally in your browser, so your data stays completely private.
Privacy Note: All calculations are performed locally in your browser. No data is ever sent to a server or third party.