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Business loan calculators

Five calculators that answer the questions lenders will ask you anyway. Each one ends in the lenders that fit the numbers you entered.

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Business loan payment calculator

Monthly or weekly payment and total interest for any amount, rate and term.

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SBA loan calculator

SBA 7(a) payment from prime plus spread, with the guarantee fee.

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Merchant cash advance true cost calculator

Turn a factor rate into the payback, the cost, and an approximate APR.

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How much can I borrow?

A realistic range by product from revenue, debt, time in business and credit.

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DSCR calculator

Debt service coverage ratio and whether it clears the bank and SBA bars.

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Which calculator should I start with?

If you know the amount and have seen a rate, use the payment calculator. If you have been offered a merchant cash advance, the true cost calculator shows what it really costs. If you are not sure how much is realistic, start with how much can I borrow. Banks and SBA lenders decide on DSCR, so check it before applying for those.

Apply once and reach a lender in every category. Free for your business.Or ask your AI assistant to apply for you through our MCP server.

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Using Claude, ChatGPT, Gemini or Grok?Connect our MCP server and your assistant can collect your documents, fill the application, match lenders and submit.
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Questions business owners ask

Are the results offers?

No. They are estimates from typical ranges. Your lender's offer sets the actual terms.

Do the calculators store my numbers?

No. They run in your browser and nothing is sent anywhere until you choose to apply.

Related reading

Business loan rates explained

Typical business loan rates by product, the factors that decide your rate, the fees that change the real cost, fixed versus variable, and how to compare offers by APR.

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APR versus factor rate: how to compare them

What APR and factor rates are, a worked example converting a 1.3 factor rate on a six month advance to roughly 110% APR, a conversion table, and what to ask before accepting.

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DSCR explained: the cash flow test lenders use

What the debt service coverage ratio is, how to calculate it with a worked example, what banks and SBA lenders require, and how to improve it before you apply.

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One application, read from your documents, matched with a lender in every category. Free for your business, lenders pay us.

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