Estimate Your Payments & Costs
Are you a small business owner looking to secure financing for your company? Our collection of small business loan calculators is here to help you make informed decisions and understand the costs associated with various types of loans.
Whether you’re considering a term loan, a merchant cash advance (MCA), or real estate financing, our calculators provide you with the insights you need to plan your financing strategy effectively.
Small Business Loan Calculators: Simplify Your Financing Decisions
A term loan calculator is essential for businesses looking to borrow a lump sum and repay it over a fixed period. Our user-friendly calculator allows you to input your loan amount, interest rate, and loan term to calculate your monthly payments and total interest costs. Use this information to determine whether a term loan is the right choice for your small business.
Term Loan
A term loan offers a fixed sum of money that is repaid in scheduled installments over a predetermined period, commonly referred to as the loan term.
Loan Amount
$25K – $20M
Speed
As fast as 2 days
Interest Rate
6-27%
An MCA calculator is a valuable tool for businesses that accept credit and debit card payments. By inputting your expected monthly sales and the desired advance amount, our MCA calculator will help you determine the total cost of the advance and the estimated repayment period. Make sure you understand the terms and fees associated with an MCA before committing to this type of financing.
Loan Amount
$5K – $10M
Merchant Cash Advance
Obtain the funding your business needs with extra working capital, designed to provide the necessary funds for day-to-day operations, expansion, or unforeseen expenses.
Speed
As fast as 24hrs
Factor Rate
1.10 – 1.36%
If you’re planning to purchase or refinance commercial property, our commercial mortgage calculator can help you evaluate your financing options. Simply enter the property value, down payment, interest rate, and loan term to calculate your monthly mortgage payments and total interest costs. This calculator is a must-have tool for any small business owner considering a commercial real estate investment.
Commercial Mortgage
A term loan offers a fixed sum of money that is repaid in scheduled installments over a predetermined period, commonly referred to as the loan term.
Loan Amount
$150K – $200M
Speed
As fast as 2 weeks
Interest Rate
As low as 6%
If you’re exploring financing through an SBA loan, our SBA loan calculator can help you estimate your potential payments and understand how the loan fits into your business plans. Simply enter the loan amount or purchase price, down payment, and desired term to calculate your estimated monthly payments and total borrowing costs. This tool is designed to help small business owners evaluate SBA financing and make informed decisions about funding their next stage of growth.
SBA Loan
Apply for various types of SBA loans, including the SBA 7a, 504, or Express Loan, to fulfill your business financing needs.
Loan Amount
Up to $5M
Speed
1-3 months
Interest Rate
Prime+
If you’re considering a business line of credit, our line of credit calculator can help you understand how flexible financing might impact your cash flow. Simply enter the credit limit, amount drawn, interest rate, and repayment term to estimate your monthly payment and total interest cost. This tool helps business owners visualize how a revolving line of credit can support working capital needs, manage seasonal expenses, and provide ongoing access to capital when opportunities arise.
Business Line of Credit
Get revolving funds when you need it and only pay interest on what you draw.Â
Loan Amount
$10K – $500K
Speed
As fast as 24hrs
Interest Rate
7-25%
If you’re planning to finance new or used business equipment, our equipment financing calculator can help you estimate your potential loan costs before moving forward. Simply enter the equipment cost, down payment, interest rate, and loan term to calculate your estimated monthly payment and total interest over the life of the loan. This calculator helps business owners evaluate equipment financing options and determine how new machinery, vehicles, or technology investments may impact their monthly cash flow.
Equipment Financing
Obtain equipment financing for all your business needs, with options available for various industries and a wide variety of items.
Loan Amount
$5K – $5M
Speed
As fast as 2 days
Interest Rate
As low as 4.59%
If you’re exploring a business credit card, our business credit card calculator helps you estimate what your potential credit limit may look like based on your current profile. Simply enter your monthly income, number of current credit cards, age of first business credit card, loans past due, and credit card utilization percentage to generate an estimated credit card limit range for your business. This tool gives business owners a practical way to gauge eligibility, understand how existing credit behavior may impact future approvals, and evaluate card options before applying.
Business Credit Card
Business credit cards provide flexible access to capital for everyday expenses while helping build your company’s credit profile.
Loan Amount
$5K – $40K+
Speed
As fast as 2 days
Interest Rate
9.99 – 29.99%
Get Small Business Loans Today!
- Showing revenue? Access flexible working capital funds to grow your business.
- Lines of credit to draw on whenever you need it, and only pay on funds used.
- Finance short-term business expenses, like rent, payroll, inventory, and much more.
Take advantage of an 85% approval rate - act now!
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Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of 100+ lenders. This means you're more likely to find the best match for your funding needs.
How does it work? Our Simple Process
Committed to serving you the best business loan options
What truly set Mike apart was his honesty. He reviewed multiple lender options with me in a fair, transparent way, walking me through the pros and cons of each and helping me understand every angle. He encouraged me to move forward only with what felt right for my business, never once making me feel pressured to choose him or Upwise. That level of professionalism is rare.
Mike also worked hard to build genuine personal rapport — something no other representative I spoke with did. He took the time to understand my business, explored different paths, and made sure I felt confident and comfortable throughout the decision-making process.
The follow-up from Mike and every member of his team has been above and beyond anything I’ve experienced with other lenders. Every interaction feels thoughtful, client-focused, supportive and most important- genuine. I’m incredibly grateful for the experience and would confidently recommend Mike to anyone looking for a knowledgeable, ethical, and truly client-first lending partner.
Update: Leo contacted me, and after basically insulting me concerning their prior behavior, I decided to let them run my application. After being ghosted for the day, they finally came back and denied due to another loan my business was involved in. These people get their feelings hurt way to easy to be in this business. I would not recommend this company to anyone.
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