Business Loan Calculator
Estimate monthly payments, total interest and debt service coverage ratio (DSCR) for a small business loan.
Your numbers
- DSCR
- 3.5×
- Total interest
- $92,883
- Total cost incl. fees
- $95,883
- Principal
- Interest
How the business loan calculator works
Payment uses the amortization formula. DSCR = annual net operating income ÷ annual debt service; lenders typically want 1.25 or higher.
Example
Using the default inputs (Loan amount: $150,000; Interest rate: 10.5%; Term (years): 10; Loan fees: $3,000; Annual net operating income: $85,000), the calculator returns monthly payment of $2,024. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What is the SBA 7(a) rate range?
Typically prime plus 2.25%–4.75%, depending on loan size and term.
What is DSCR?
A measure of whether business cash flow can cover loan payments.
Related business & freelance calculators
All Business & Freelance →Cash Runway
How many months until you run out of cash
Business & FreelanceCustomer Lifetime Value (LTV)
LTV, LTV:CAC ratio and payback period
Business & FreelanceEarly Payment Discount (2/10 Net 30)
Annualized cost of skipping a discount
Business & FreelanceDepreciation
Straight-line, declining balance and SYD
Business & FreelanceProfit Margin
Gross, operating and net margin
Business & FreelanceBreak-Even
Units and revenue needed to cover costs
Learn more
More Business & Freelance guides →Small Business Loans
Compare small business financing options and understand what lenders look for, including DSCR, credit and collateral.
Business & FreelanceHow to Price Your Products
Learn three proven pricing strategies and how to calculate a price that covers costs and earns a healthy margin.
Business & FreelanceProfit Margin vs Markup
The difference between margin and markup, how to convert between them and why mixing them up can cost you money.
Business & FreelanceBreak-Even Analysis
A practical guide to break-even analysis with fixed and variable costs, contribution margin and ways to lower your…
Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.