Estimate Your Business Loan Payment
Enter a loan amount, rate, and term below — your monthly payment, total cost, and full amortization schedule update instantly.
Enter an amount between $1 and $100,000,000.
A starting example, not a quote — replace it with your own assumption. Used directly in the calculation; it doesn't add lender fees to produce a separate APR.
Enter a rate between 0% and 100%.
Enter a term between 1 month and 40 years.
Illustrative only, not a quote or an offer. This models a standard fixed-rate loan, fully amortized monthly, and doesn't include fees. Fundur is a financing marketplace, not a lender — actual rates, terms, and payments vary by lender and by business, and are disclosed in full before you accept anything. Checking your options is a soft inquiry that won't affect your credit score.
See the full amortization schedule
| Payment | Payment amount | Principal | Interest | Remaining balance |
|---|
A standard amortizing loan, calculated exactly
This models a fixed-rate loan repaid in equal monthly installments — the same math a term loan uses. Each payment covers that month's interest first, with the rest reducing your principal, so the interest portion shrinks and the principal portion grows as you pay it down.
It does not include fees. An origination fee or any other charge would make your real APR higher than the interest rate you enter here — see interest rate vs. APR for why. It also isn't built for a factor-rate product, a revolving line of credit, or invoice factoring, which price and repay differently — see the specific calculators below.
What actually moves your payment and total cost
Loan amount
Payment and total interest both scale roughly with how much you borrow — a larger amount raises both, all else equal.
Interest rate
A higher rate raises both your payment and your total interest. This calculator uses the rate you enter, not a Fundur quote — see Rates & Costs for how pricing actually works.
Term length
A longer term lowers your monthly payment but raises total interest — a real trade-off, not a free lunch. See the worked example.
This calculator is the general-purpose model
If you already know which product you're comparing, its dedicated calculator will fit the actual structure better than this one.
Plus 5 more product-specific calculators — 12 in total as the tool library ships.
A few things worth knowing before you rely on it.
How accurate is this calculator?+
It's mathematically exact for the assumptions you enter — a standard fixed-rate, monthly-amortizing loan. It isn't a quote: your actual rate, fees, and terms depend on the lender and your business, and are disclosed in full before you accept anything.
Does using this calculator affect my credit or count as an application?+
No. This calculator doesn't check your credit, submit an application, or contact any lender — it's just math based on numbers you type in. Checking your actual options through Fundur is a separate step and is a soft inquiry that won't affect your credit score.
Why isn't there a default interest rate that matches Fundur's pricing?+
Because there's no single Fundur rate to default to — cost depends on the product, your business profile, and the lender. The starting number in this calculator is a neutral illustrative placeholder for you to replace with your own assumption, not a quote. See Rates & Costs.
Can I use this for a factor-rate product, a line of credit, or invoice factoring?+
Not accurately. This calculator models a standard fixed-rate, monthly-amortizing loan — the right fit for a term loan or similar structure. Factor-rate financing, revolving lines of credit, and invoice factoring work differently and need their own calculation model; use the specific calculator for that product instead.
What isn't included in this estimate?+
Fees — an origination fee or any other charge isn't factored in, so your real APR on an offer that includes fees will run higher than the interest rate you enter here. See how interest rate and APR interact.
Turn this estimate into a real answer.
Ready to see real numbers instead of an estimate?
Checking your options takes a few minutes and won't affect your credit score.
Fundur is a financing marketplace, not a lender. We don't make credit decisions or guarantee approval, rates, terms, or funding times.