免费商业贷款计算器
计算商业贷款的月供、总利息和还款计划，助力企业融资决策。
USD
%
years
每月还款额
$2,027.64
总支付金额$121,658.37
已付总利息$21,658.37
Monthly Payment vs Loan Term
公式
How to Calculate Business Loan Payments
Formula
M = P x [r(1+r)^n] / [(1+r)^n - 1]
Where:
This standard amortization formula calculates equal monthly payments that cover both principal and interest over the loan term.
计算示例
A $100,000 business loan at 8% annual interest for 5 years.
- 01Monthly rate = 8% / 12 = 0.6667% (0.006667)
- 02Total payments = 5 x 12 = 60
- 03Monthly payment = $100,000 x [0.006667 x (1.006667)^60] / [(1.006667)^60 - 1]
- 04Monthly payment = $2,027.64
- 05Total paid = $2,027.64 x 60 = $121,658.40
- 06Total interest = $121,658.40 - $100,000 = $21,658.40
常见问题
What is a typical business loan interest rate?
Business loan rates typically range from 6-13% for bank loans, 7-25% for online lenders, and 6-9% for SBA loans. Your rate depends on creditworthiness, collateral, and loan type.
How does loan term affect total cost?
A longer term means lower monthly payments but more total interest paid. A shorter term means higher monthly payments but less total interest. Choose based on your cash flow needs.
学习