Calculated result
Enter values and select Calculate.
Business-specific fee model
Upfront fees reduce net proceeds without increasing principal. Financed fees increase principal. Modeled borrowing cost equals scheduled payments plus separately paid fees minus the requested amount.
Loan boundaries
This fixed monthly model does not calculate regulatory APR, approval, SBA guarantees, variable rates, lines of credit, balloon payments, tax treatment, or lender quotes.
Worked example
The editable example inputs above demonstrate the calculation and expose the assumptions used in every displayed result.
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This browser-local calculator provides an educational planning estimate, not financial, lending, tax, vehicle-valuation, brokerage, or investment advice.