Estimate payments and financing cost for a fixed-rate business loan with a financed origination fee.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Financed balance = principal + fee; payment uses the entered nominal annual rate divided by 12.
Visual explanation
What changes the borrowing result
Opening balance
interestprincipal
Monthly paymentClosing balance falls over timeFinanced balance = principal + fee; payment uses the entered nominal annual rate divided by 12.
Read the result in context
Use the estimate with its contract assumptions
Estimate the monthly cost of a 36-month equipment or working-capital loan.
The fee is financed, payments are monthly, and the entered annual rate is divided by 12. Do not add fees already embedded in an effective disclosed rate.
Quick guide
How to use this calculator
Enter all amounts in one consistent currency.
Enter annual percentage rates and whole-month counts exactly as labelled.
Review the result together with the stated assumptions and exclusions.
Calculation method
Calculation method
Financed balance = principal + fee; payment uses the entered nominal annual rate divided by 12.
The calculator keeps full binary floating-point precision through the calculation and rounds only for display. It rejects non-amortizing payments, invalid rates, and schedules beyond the disclosed work limits.
Worked example
Practical example
Estimate the monthly cost of a 36-month equipment or working-capital loan.
Financed balance = principal + fee; payment uses the entered nominal annual rate divided by 12.
Supported inputs
Precision and limits
Visible input limits
Numeric tokens accept at most 60 characters. Amounts are capped at 1e12 and annual rates at 1000%. Repayment terms are whole months up to 1200; grace, promotional, and lease periods are whole months up to 120.
Estimate, not an offer
Results model only the values entered. Lenders may use different compounding, day counts, fees, payment allocation, or rounding.
International scope
No country, tax system, government benefit, regulated disclosure, or currency is assumed. Enter one consistent currency and verify local terms separately.
Calculator-specific assumptions
The fee is financed, payments are monthly, and the entered annual rate is divided by 12. Do not add fees already embedded in an effective disclosed rate.
