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Business loan calculator

Know the payment before you sign. Run an SBA, term loan or line of credit scenario, see what it really costs, and check whether the business can carry it.

What's the loan for?

Can the business carry it?

Optional

Lenders check debt coverage first: the business's yearly cash flow divided by its yearly loan payments. Most want 1.25x or more.

Add the business's cash flow to see its debt coverage and the most you could borrow at 1.25x.

1.42x

Estimate only, not an offer of credit. Assumes a fixed rate and equal monthly payments.

Free, takes 10 seconds

Open the calculator

Tell us where to send your breakdown. You get the calculator right away and your numbers in your inbox.

We'll email your results and the occasional note from Contrarian Thinking. Unsubscribe anytime.

Before you apply

These two hold up a lot of loan files. Take care of both before you start.

  1. Unlock your Experian credit

    We run a soft pull, so there's no hard inquiry and no hit to your score. We just can't see it while it's locked.

    Unlock it on experian.com

    Takes about 2 minutes.

  2. Get your last 3 months of bank statements

    For every business account. That includes checking, savings and any sub-accounts (payroll, tax, etc.). Full PDF statements from your bank work best.

    You'll upload them after you apply, through a secure link we email you.

Opens our secure application form in a new tab.

Start application

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Results are not typical and are not guaranteed. We are experienced professionals, and your results will vary based on your education, effort, experience, skills, and circumstances. We do not personally work with, invest in, or advise every individual or entity that accesses our content. Due to the nature of our business, we do not track typical user results. We cannot and do not guarantee that you will achieve any specific outcome, financial or otherwise, if you use our strategies, methods, or information. Your results may differ significantly from any results discussed or implied. We do not provide investment, financial, legal, tax, or other professional advice. All content is for informational and educational purposes only. Any examples, case studies, or results mentioned are provided for illustrative purposes and do not constitute recommendations or guarantees. The information and content on this website are proprietary. Any unauthorized use, reproduction, or distribution of images, content, or intellectual property is prohibited.