Business Calculators
Business Loan Payment Calculator
Calculate repayments on business borrowing including any arrangement fee, and the true cost of the facility.
Monthly payment
$3,150.28
- Total interest
- $39,017
- Arrangement fee
- $3,000
- Total cost of borrowing
- $42,017
How this calculator works
M = P × r ÷ (1 − (1 + r)^−n), with the fee added to the cost of the facility
- P
- the amount borrowed
- r
- the monthly interest rate
Example calculation
Illustrative example — not advice
Worked example — the business loan payment calculator as it loads, using the default figures below.
- 01Enter loan amount: $150,000.
- 02Enter interest rate: 9.5%.
- 03Enter term: 5 years.
- 04Enter arrangement fee: 2%.
- 05Read the monthly payment from the results panel: $3,150.28.
Monthly payment: $3,150.28. Total interest: $39,017. Arrangement fee: $3,000. Total cost of borrowing: $42,017.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Personal guarantees are common on smaller business facilities.
- Covenants can be as costly as the rate if they restrict the business.
Related calculators
- Break-Even CalculatorUnits and revenue needed to break even.
- ROI CalculatorTotal and annualised return on any investment.
- Cash Flow CalculatorMonthly cash flow and runway.
- Profit Margin CalculatorGross, operating and net margin from your numbers.
- Business Loan CalculatorRepayments and total cost on a business term loan.
- Markup CalculatorSelling price from cost and target markup.
Terms used here
Frequently asked questions
Should the fee be added to the loan?
Adding it means paying interest on the fee for the whole term; paying it upfront is usually cheaper.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01