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Rates, terms, refinancing and how to get the best deal.
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SBA, term loans and cash-flow impact.
🏢 Business Loan Calculator
Monthly payment
Annual cash-flow impact
Total interest
Total of payments
How to Use
- Enter the loan amount and loan type.
- Enter the APR and term.
- Review the monthly payment and the annual cash-flow impact on your business.
Calculation Method
Term and SBA loans amortize with the standard payment formula. The annual cash-flow impact is monthly payment × 12 — the amount your business must service from operating cash each year.
Examples
$100,000 term loan at 9.5%, 7 years
About $1,637/month, roughly $37,500 total interest, ~$19,600 annual cash-flow impact.
Frequently Asked Questions
Term loans often run 2–10 years; SBA 7(a) loans can extend to 10 years (or 25 for real estate).
SBA loans are partially government-guaranteed, typically offering longer terms and competitive rates, but with more paperwork and longer approval times.
Yes. Financing long-lived assets (equipment, real estate) over longer terms, and short-term needs over shorter terms, keeps cash flow healthy.
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Read guide →Disclaimer
Calculations are estimates based on the information you provide. Actual loan terms, rates, and payments vary by lender, credit score, and other factors. SmartLoanCalcs is not a lender and this is not a loan offer. We are not responsible for decisions made based on these calculations — consider consulting a licensed lender or financial advisor.
Last updated: May 24, 2026