Periodic Payment
The estimated amount due each month, week, or business day based on the selected structure.
Small Business Loan Calculator
Plan the payment.
See the full cost.
Model common business-financing scenarios using an interest rate or factor rate, then compare estimated periodic payments, total repayment, and financing cost.
No personal information or credit check is required to use this calculator.
Estimate a financing scenario
Adjust the numbers. Compare the outcome.
Choose a financing product, amount, pricing method, term, and payment frequency. Results update automatically and are provided for planning only.
Private calculation
Configure Your Estimate
Select a product first. The calculator will switch between APR and factor-rate logic when appropriate.
$
$5,000$2,000,000
%
1%45%
months
3 months120 months
Term loan estimate
Uses a standard amortization formula. Actual lender payments may differ due to fees, payment timing, underwriting, or product structure.
Uses a standard amortization formula. Actual lender payments may differ due to fees, payment timing, underwriting, or product structure.
The table displays the first 12 periods and the final estimated period when the full schedule is longer.
| Period | Date | Payment | Principal | Cost | Balance |
|---|
Understand the estimate
Three numbers worth comparing.
A manageable periodic payment matters, but the total repayment and financing cost help reveal the complete picture.
Total Repayment
The estimated sum of all scheduled payments over the selected repayment term.
Financing Cost
The difference between the estimated total repayment and the amount financed, before unmodeled fees.
Interest rate and factor rate are not the same.
APR-based products generally calculate interest over time. Factor-rate products multiply the financed amount by a fixed factor to estimate total repayment. A factor rate should not be read as an APR.
Pricing method
Common use
Calculator treatment
Annual interest rateTerm, equipment, real estateAmortized over selected periods
Factor rateWorking capital, MCAAmount × factor ÷ periods
Line of creditFlexible revolving accessIllustrative amortized draw estimate
Ready to explore potential financing options?
Complete one application and let EquipMeFi help route your request to financing sources that may fit your business profile and stated need.