Calculadora de Préstamo Empresarial — Fórmula

How to Calculate Business Loan Payments

Formula

M = P x [r(1+r)^n] / [(1+r)^n - 1]

Where:

  • M = Monthly payment
  • P = Loan principal
  • r = Monthly interest rate (annual rate / 12 / 100)
  • n = Total number of payments (years x 12)

    • This standard amortization formula calculates equal monthly payments that cover both principal and interest over the loan term.

    Ejemplo Resuelto

    A $100,000 business loan at 8% annual interest for 5 years.

    1. Monthly rate = 8% / 12 = 0.6667% (0.006667)
    2. Total payments = 5 x 12 = 60
    3. Monthly payment = $100,000 x [0.006667 x (1.006667)^60] / [(1.006667)^60 - 1]
    4. Monthly payment = $2,027.64
    5. Total paid = $2,027.64 x 60 = $121,658.40
    6. Total interest = $121,658.40 - $100,000 = $21,658.40