Business Loan Calculator
Calculate business loan payments, SBA loan terms, equipment financing, and analyze cash flow impact for informed business decisions.
Loan Details
SBA 7(a) Loan
Max Amount: $5,000,000
Max Term: 25 years
Typical Rate: 11.5-18%
Most common SBA loan for working capital, equipment, real estate
Payment Analysis
Monthly Payment
$3,037.31
Payoff Date: 10/8/2035
Loan Summary
Amount Financed$207,500.00
Total Interest$156,976.66
Total Cost$364,476.66
Loan-to-Value Ratio83.0%
Cash Flow Analysis
Business Financials
Cash Flow Impact
Monthly Revenue$41,666.67
Operating Expenses$35,000.00
Loan Payment$3,037.31
Net Cash Flow$3,629.36
Debt Service Coverage Ratio
2.19x
✅ Strong coverage (1.25x+ recommended)