Business Loan Calculator: Monthly Payments and How Much You Can Borrow
A $50,000 business loan costs $761 a month over 10 years at the SBA 7(a) maximum rate of 13.5%, $1,062 over 5 years at 10%, or $2,796 over 2 years at 30%. Three things set the payment: the amount, the rate and the term. Most small businesses can borrow between $25,000 and $500,000, and many lenders size that amount from cash flow, looking for about $1.25 after expenses for every $1.00 of loan payments. Use the three tabs below for your payment, your borrowing range or a merchant cash advance. No email is needed, and nothing you type leaves your browser.
What is the monthly payment on a $50,000 business loan?
A $50,000 business loan costs $761 a month over 10 years at the SBA 7(a) maximum rate of 13.5%, $1,062 over 5 years at 10%, or $2,796 over 2 years at 30%. The table below changes the rate and the term. Each cell shows the monthly payment, then the total interest in brackets.
| APR | 1 year | 2 years | 3 years | 5 years | 10 years |
|---|---|---|---|---|---|
| 8% | $4,349 ($2,193) | $2,261 ($4,273) | $1,567 ($6,405) | $1,014 ($10,829) | $607 ($22,797) |
| 12% | $4,442 ($3,309) | $2,354 ($6,488) | $1,661 ($9,786) | $1,112 ($16,733) | $717 ($36,083) |
| 20% | $4,632 ($5,581) | $2,545 ($11,075) | $1,858 ($16,894) | $1,325 ($29,482) | $966 ($65,953) |
| 30% | $4,874 ($8,492) | $2,796 ($17,095) | $2,123 ($26,413) | $1,618 ($47,060) | $1,318 ($108,171) |
| 45% | $5,251 ($13,007) | $3,196 ($26,703) | $2,554 ($41,927) | $2,106 ($76,380) | $1,898 ($177,747) |
A longer term lowers the payment and raises the total interest. At 12%, 5 years instead of 2 cuts the payment by more than half and more than doubles the interest.
For smaller amounts, see What are your options for a business loan under $50,000? For a loan with no collateral, see What Is an Unsecured Business Loan and Is It Right for You?
What are the monthly payments on a loan from $10,000 to $1 million?
On a 10-year SBA 7(a) loan at the maximum rate, payments run from $152 a month on $10,000 to $13,215 on $1 million. The same amounts on a 5-year bank loan at 10% run from $212 to $21,247, and on a 2-year online loan at 30%, from $559 to $55,913.
| Amount | SBA 7(a), 10 years, at the rate cap: payment (rate; total interest) | Bank loan, 5 years, 10%: payment (total interest) | Online loan, 2 years, 30%: payment (total interest) |
|---|---|---|---|
| $10,000 | $152 (13.5%; $8,273) | $212 ($2,748) | $559 ($3,419) |
| $25,000 | $381 (13.5%; $20,682) | $531 ($6,871) | $1,398 ($8,548) |
| $50,000 | $761 (13.5%; $41,365) | $1,062 ($13,741) | $2,796 ($17,095) |
| $100,000 | $1,493 (13.0%; $79,173) | $2,125 ($27,482) | $5,591 ($34,191) |
| $250,000 | $3,733 (13.0%; $197,932) | $5,312 ($68,706) | $13,978 ($85,477) |
| $500,000 | $6,608 (10.0%; $292,904) | $10,624 ($137,411) | $27,956 ($170,954) |
| $1,000,000 | $13,215 (10.0%; $585,809) | $21,247 ($274,823) | $55,913 ($341,908) |
These are examples, not offers. Actual rates, terms and payments are set by the lender that underwrites you. TopFunders.ai is not a lender and not a loan broker.
The SBA column uses the 7(a) variable-rate maximum for each loan size, with prime at 7.00% as of September 2026. A maximum is a ceiling, not a quote, and fees are left out. The 10% bank and 30% online rates are example points inside the ranges on What Business Financing Costs. A payment is arithmetic, not a statement of who qualifies for the product.
What are the payments on a $100,000 and a $1,000,000 business loan?
A $100,000 business loan costs $2,125 a month over 5 years at 10%, and a $1,000,000 loan costs $21,247 a month over the same term and rate.
What is the payment on a $100,000 business loan?
A $100,000 business loan costs $1,493 a month over 10 years at the SBA 7(a) maximum rate of 13.0%, $2,125 over 5 years at 10%, or $5,591 over 2 years at 30%.
| Amount, APR | 2 years | 5 years | 10 years | 25 years (SBA real estate loans only) |
|---|---|---|---|---|
| $100,000 at 8% | $4,523 | $2,028 | $1,213 | $772 |
| $100,000 at 10% | $4,614 | $2,125 | $1,322 | $909 |
| $100,000 at 12% | $4,707 | $2,224 | $1,435 | $1,053 |
| $100,000 at 20% | $5,090 | $2,649 | $1,933 | $1,678 |
| $100,000 at 30% | $5,591 | $3,235 | $2,636 | $2,502 |
The 25-year column applies to SBA real estate loans only. For what lenders weigh on a request this size, read What does it take to borrow $100,000 for your business?
What is the payment on a $1,000,000 business loan?
A $1,000,000 business loan costs $13,215 a month over 10 years at 10%, $21,247 over 5 years at 10%, or $55,913 over 2 years at 30%. Online term loans generally top out around $500,000, so a loan this size usually comes from a bank or the SBA.
| Amount, APR | 2 years | 5 years | 10 years | 25 years (SBA real estate loans only) |
|---|---|---|---|---|
| $1,000,000 at 8% | $45,227 | $20,276 | $12,133 | $7,718 |
| $1,000,000 at 10% | $46,145 | $21,247 | $13,215 | $9,087 |
| $1,000,000 at 12% | $47,073 | $22,244 | $14,347 | $10,532 |
| $1,000,000 at 20% | $50,896 | $26,494 | $19,326 | $16,785 |
| $1,000,000 at 30% | $55,913 | $32,353 | $26,362 | $25,015 |
How much income do you need for a business loan?
Many lenders look for monthly cash flow after expenses of about 1.25 times your total loan payments. Lenders call this ratio debt service coverage, or DSCR. If a new loan adds a $1,000 payment, they want to see roughly $1,250 a month left after the business pays its own bills. It is the same 1.25 the How much can I borrow tab uses.
The table shows the cash flow needed for five loan sizes, then the revenue that implies at a 20% margin. The 20% is an example assumption, not a rule. A thinner margin needs more revenue, and a fatter one needs less.
| Amount | SBA 7(a), 10 years, at the rate cap | Bank loan, 5 years, 10% | Online loan, 2 years, 30% |
|---|---|---|---|
| $50,000 | $952 cash flow ($4,759 revenue) | $1,328 cash flow ($6,640 revenue) | $3,495 cash flow ($17,473 revenue) |
| $100,000 | $1,866 cash flow ($9,332 revenue) | $2,656 cash flow ($13,279 revenue) | $6,989 cash flow ($34,946 revenue) |
| $250,000 | $4,666 cash flow ($23,330 revenue) | $6,640 cash flow ($33,199 revenue) | $17,473 cash flow ($87,364 revenue) |
| $500,000 | $8,259 cash flow ($41,297 revenue) | $13,279 cash flow ($66,397 revenue) | $34,946 cash flow ($174,728 revenue) |
| $1,000,000 | $16,519 cash flow ($82,594 revenue) | $26,559 cash flow ($132,794 revenue) | $69,891 cash flow ($349,455 revenue) |
The table assumes no other debt. Existing payments come off the top, and the How much can I borrow tab takes them into account.
How much income do I need for a $500,000 business loan?
Many lenders look for monthly cash flow after expenses of about 1.25 times your total loan payments. For $500,000 on a 10-year SBA 7(a) loan at the 10.0% cap, that is about $8,259 a month of cash flow, or $41,297 of monthly revenue at an example 20% margin. A 5-year bank loan at 10% needs $13,279 of cash flow ($66,397 revenue).
What does $10,000 a month in revenue support?
At a 20% margin, $10,000 a month in revenue supports a new payment of about $1,600. That is $2,000 of cash flow, divided by 1.25. In loan size, it is roughly $28,600 on a 2-year online loan at 30%, $75,300 on a 5-year bank loan at 10%, or $107,200 on a 10-year SBA 7(a) loan at 13%.
| Monthly revenue | Largest new payment | Loan size, 10-year SBA 7(a) at the rate cap | Loan size, 5-year bank loan at 10% | Loan size, 2-year online loan at 30% |
|---|---|---|---|---|
| $10,000 | $1,600 | $107,200 (13% cap) | $75,300 | $28,600 |
| $20,000 | $3,200 | $214,300 (13% cap) | $150,600 | $57,200 |
| $50,000 | $8,000 | $605,400 (10% cap above $350,000) | $376,500 | $143,100 |
For online loans, the commonly quoted rule of thumb of 1 to 1.5 times monthly revenue can cap the amount below what the payment supports, and the How much can I borrow tab applies both.
This matters because of who asks for big amounts. In the TopFunders Small Business Funding Study, 44.9% of requests over $50,000 come from businesses reporting under $10,000 a month in revenue. That gap is one reason a request can come back for less than the full amount.
How much can I borrow for a business loan?
Most small businesses can borrow between $25,000 and $500,000. The full range runs from $500 for a microloan to $5.5 million for an SBA 504 loan, and where a business lands inside it comes down to four inputs: monthly revenue, credit score, time in business, and the lender type applied to. For online lenders, a commonly quoted rule of thumb is 1 to 1.5 times monthly revenue. Bank and SBA amounts are not set by a revenue multiple: they are sized from cash flow and the loan term.
The calculator above sizes every lender type from what your cash flow can service over that lender type's typical term. For merchant cash advances, online and alternative lenders it also caps the result at the rule of thumb, so those rows can come out lower than your cash flow alone would support. The cash-flow limit is the part most revenue-based calculators leave out. For amount ranges by revenue level, loan type and business age, plus what reduces an offer and how to raise it, read How Much Can You Borrow for a Small Business Loan?
How do lenders calculate the maximum?
Lenders size the loan from cash flow, not revenue, in three steps. They calculate net operating income, divide it by 1.25 to leave a safety margin, subtract existing monthly debt payments, and size a loan against the monthly payment that remains across the term. Running the same math yourself tells you what to expect before anyone pulls your file.
- Step 1. Net operating income: monthly revenue minus monthly operating expenses.
- Step 2. Available debt service: net operating income divided by 1.25, minus existing monthly debt payments.
- Step 3. Maximum loan: the principal that the remaining monthly payment supports over the term. Terms differ by lender type, and a longer term supports a larger loan from the same payment.
Worked example
| Input | Amount |
|---|---|
| Monthly revenue | $75,000 |
| Monthly operating expenses | $55,000 |
| Net operating income | $20,000 |
| Existing monthly debt payments | $3,000 |
| Available for new debt service | ($20,000 ÷ 1.25) − $3,000 = $13,000/month |
| Maximum loan, three-year term at 12% to 18% | roughly $350,000 to $400,000 |
The number that surprises most owners is how much the existing $3,000 costs them. Clearing it would raise available debt service to $16,000 a month and lift the three-year maximum in this example by roughly $83,000 to $90,000 on the same revenue.
Longer-term loans such as SBA 7(a) support a larger amount from the same monthly payment. The calculator above starts from these same inputs but sizes each lender type over its own typical term, so it shows $490,000 to $675,000 for a bank lender and $850,000 to $975,000 for an SBA lender. SBA loans are priced at the prime rate plus a spread capped by the SBA, about 10% to 13.5% in September 2026, and run up to 10 years, which is why the SBA row is the largest. Change the existing debt payment to zero and those two rows rise by about $110,000 to $150,000 and $200,000 to $225,000. The merchant cash advance, online and alternative rows do not move, because at these inputs they are capped by revenue, not cash flow.
Why does my credit score change the amount?
Credit score is the only forward-looking input a lender has, so it scales the offer rather than only deciding approval. In typical practice, not a published lender figure, reductions run 15% to 30% between 640 and 679, and 30% to 50% between 600 and 639. Below 580, merchant cash advances and microloans are generally the only products available. A lower score usually also means a higher rate, which raises the payment.
How much can I borrow with under a year in business?
Generally $5,000 to $25,000 under six months, and $10,000 to $150,000 between six and twelve months. Many lenders look for at least six months of bank history, and the ones that lend earlier do so at smaller amounts. The borrowing tab removes bank and SBA rows entirely below twelve months rather than showing them at zero, because zero would suggest a rejection.
How do merchant cash advance payments work?
A merchant cash advance payment is the total repaid divided by the number of payments. Total repaid is the amount times the factor rate: $50,000 at 1.35 is $67,500. Spread over 9 months of 21 business days, that is about $357 a day.
A factor rate is a multiplier fixed when the advance is funded, and it does not fall if you repay early. It is not an APR, so a 1.35 does not mean 35%. What Business Financing Costs explains how to compare the two.
| Factor rate | Total repaid | Cost | Daily payment, repaid over 6 months | Daily payment, repaid over 9 months | Daily payment, repaid over 12 months |
|---|---|---|---|---|---|
| 1.2 | $60,000 | $10,000 | $476 | $317 | $238 |
| 1.35 | $67,500 | $17,500 | $536 | $357 | $268 |
| 1.5 | $75,000 | $25,000 | $595 | $397 | $298 |
Daily payment is the total repaid divided by the months times 21 business days. Paid weekly instead, the 1.35 advance comes to $2,596 over 6 months, $1,731 over 9 months and $1,298 over 12 months. Some advances take a share of daily card sales, so the payment moves with sales. The table shows the fixed version.
Compare the dollars, not the label. The 1.35 advance costs $17,500 over 6 to 12 months, while the 2-year online loan at 30% in the $50,000 table costs $17,095 in interest over 24 months. The advance charges a similar sum in half the time or less.
What changes your payment besides the rate?
Fees, prepayment rules, fixed or variable rates, and how often you pay all change what you hand over. The tables leave fees out, so ask any lender for the full cost in dollars, in writing.
- Fees: some lenders build them into the APR and some take them from the amount you receive. SBA 7(a) loans carry an upfront guaranty fee on the guaranteed portion, which the lender may pass on to you. The current schedule is in SBA 7(a) Loan Requirements, Rates and Terms (2026).
- Prepayment: paying a term loan off early usually saves interest, though some loans charge for it. Paying an advance off early usually saves nothing, because the total repaid was fixed on day one.
- Variable rates: SBA 7(a) rates move with prime, so a variable-rate payment can change when prime does.
- Payment schedule: a daily or weekly payment looks small and leaves your account more often. Check that your cash flow can carry the schedule.
How accurate is this calculator?
The payment and advance tabs are exact arithmetic on what you enter, and only as real as the rate and term you type in. The How much can I borrow tab is an estimate that returns ranges. Neither is an offer or a credit decision: the lender that underwrites you sets the actual amount, rate and terms.
Frequently asked questions
What is the monthly payment on a $50,000 business loan?
A $50,000 business loan costs $761 a month over 10 years at the SBA 7(a) maximum rate of 13.5%, $1,062 over 5 years at 10%, or $2,796 over 2 years at 30%. Lenders set the actual rate and term for your business, so treat these as examples.
What is the payment on a $1,000,000 business loan?
A $1,000,000 business loan costs $13,215 a month over 10 years at 10%, $21,247 over 5 years at 10%, or $55,913 over 2 years at 30%. Raise the rate to 20% over the same 10 years and the payment becomes $19,326 a month.
How much would a $100,000 loan cost?
A $100,000 loan costs $27,482 in interest over 5 years at 10%, $34,191 over 2 years at 30%, and $79,173 over 10 years at the SBA 7(a) maximum rate of 13.0%. Add the $100,000 you borrowed for the total repaid. Lender fees come on top.
How much income do I need for a $500,000 business loan?
Many lenders look for monthly cash flow after expenses of about 1.25 times your total loan payments. For $500,000 on a 2-year online loan at 30%, that is $34,946 a month of cash flow, or $174,728 of monthly revenue at an example 20% margin.
Is a longer loan term cheaper?
No. A longer term cuts the monthly payment but raises the total cost. On $50,000 at 30%, 2 years costs $2,796 a month and $17,095 in interest, while 5 years costs $1,618 a month and $47,060 in interest. Choose the shortest term your cash flow can carry.
How is a merchant cash advance payment calculated?
A merchant cash advance payment is the total repaid divided by the number of payments. Total repaid is the amount times the factor rate, and the payments are usually daily or weekly. On $50,000 at 1.5 over 12 months, that is $75,000 repaid, or about $298 a business day.
How much can I borrow for a business loan?
Most small businesses can borrow between $25,000 and $500,000. Many lenders size the amount from what monthly cash flow can service after existing debt payments, and credit score and time in business then move the final figure up or down. The calculator tabs above show your own range.
What is DSCR and why does it limit my loan?
DSCR is debt service coverage ratio: the income a business generates for every dollar of debt payment it owes. Many lenders look for 1.25 or better, meaning $1.25 of net operating income for every $1.00 of payment. It caps the monthly payment you can carry, and the loan size is derived from the payment.
Why does my credit score change the amount I can borrow?
Credit score is the only forward-looking input a lender has, so it scales the offer rather than just deciding approval. A lower score also tends to mean a higher rate, so the payment rises as well. Paying revolving balances below 30% utilization tends to move an offer fastest in a short window.
How much can I borrow with under a year in business?
Generally $5,000 to $25,000 under six months, and $10,000 to $150,000 between six and twelve months. Bank and SBA 7(a) lending is effectively closed until the business has a longer track record, regardless of revenue. Microloans and business credit cards are the most accessible options at this stage.
Want to see what a lender would offer your business?
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Disclaimer: Payments, rates and totals on this page are examples only, not offers or quotes. They use standard amortization with equal monthly payments and leave out fees. Actual rates, terms and payments are set by the lender that underwrites you. TopFunders.ai is not a lender and not a loan broker, and it makes no credit decisions.