Free business loan calculator

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Find out how much a business loan will cost you

Use our simple tool to calculate your monthly payment and total interest. Find out whether taking a loan is worth it for your business and make the best decision.

How to use this tool?

  1. Enter the total loan amount you’re applying for.
  2. Enter your annual interest rate.
  3. Enter your loan term in months.
  4. Click the “Calculate” button.

Things to know before taking a loan

  • To calculate the optimal loan amount, you need to analyze the following metrics of your business:

    • revenue over the past periods;
    • profitability over the past periods;
    • monthly and quarterly expenses.

    Based on these figures, you’ll be able to find the optimal credit amount and interest rate that your company can afford.

  • Use our tool to see how much time and money you’ll be saving:

    • select your planned amount;
    • adjust your monthly payment to repay the loan faster;
    • determine the date of the final payment;
    • determine the optimal loan amount.

    If you’re planning to invest in a small business, our free calculator is here to help! Get an accurate assessment of your potential expenses to find out whether you can afford to borrow the amount planned.

  • Opening a business is costly. Branding, rent, website development, etc. cost money. It’s not surprising that many entrepreneurs have to borrow money to get started.

    Plus, you’ll have to buy or rent equipment, pay for expendables, etc. If your business is not making a profit yet, this can be tricky. If you need extra money, you might want to apply for a business loan.

    A business loan can help deal with the following expenses:

    • business licensing fees;
    • payroll costs;
    • website development;
    • branding and marketing materials;
    • paid advertising;
    • leasing;
    • purchasing products.

    A business loan is only a savvy investment when you can repay it once your business starts making a profit.

  • Your interest rate will depend on multiple factors, including your loan amount and term, your loan provider, whether or not a commission is applied, etc.

    To determine the optimal interest rate, you should do a reserach and discuss the issue with reliable loan providers.

  • The best way to find a business loan with a low interest rate is by comparing loan proposals from several loan providers.

    To determine whether you’re eligible for a loan, a bank will ask you to fill out a standard form. Then it will provide you with a loan proposal that includes the following information: loan amount, loan term, interest rate, and monthly payment.

    Upon receiving and analyzing loan proposals from several loan providers, you’ll be able to choose the one that suits your needs best.


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I was looking to set up Diamond Investment Partners LLC so I was looking at different companies that could help me. Shortly after being on the ZenBusiness website I received a call back from a representative named Irie. Irie was so calm and helpful. She went over all of the plans and then stayed on the phone with me the entire time while I set up my LLC. Irie was a true Rock Star! Thank You Irie! and Hook Em Horns!

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Very easy to navigate

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