Instantly calculate your monthly payments, total interest, and full amortization schedule. No credit check. No commitment. Just enter your numbers and see real results.
Loan Details
Credit Profile
Optional
Monthly
$3,531
per month
Interest
$9.7K
total interest paid
Total Cost
$84.7K
principal + interest
Amortization Breakdown
How your payments split over time
Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.
Apply now — it's freeStep-by-step guide
Our business loan calculator is designed to give you a clear, instant picture of what your financing will actually cost. Whether you're exploring a small business loan, comparing short-term loan options, or planning a long-term investment — this tool breaks everything down in seconds.
Start with the Loan Amount slider. Drag it anywhere from $5,000 to $500,000 to set the total amount you want to borrow. This represents the principal — the base amount before any interest or fees. If you're unsure how much you need, start with your estimated project cost or the cash gap you're looking to fill.
Next, set your Loan Term. This slider ranges from 3 to 60 months. Shorter terms mean higher monthly payments but dramatically less total interest paid. Longer terms lower your monthly obligation but increase the overall cost. For working capital loans, terms of 6–24 months are most common. For SBA loans, you may need even longer terms — contact our advisors for custom quotes.
Select your Credit Profile. Choose from Excellent, Good, Fair, or Poor. Each selection maps to an estimated APR range that real lenders offer for that credit tier. This directly impacts your calculated monthly payment and total interest. If your credit is below 600, don't worry — loans for bad credit are still available with competitive terms.
Optionally, add Extra Monthly Payments. This powerful feature shows you exactly how much interest you'll save — and how many months you'll shave off — by paying more than the minimum each month. The amortization schedule graph updates in real time, showing the principal vs. interest split across every payment period. Toggle between the amortization view and payment breakdown to fully understand your loan's cost structure.
Get matched
Answer a few quick questions about your business and we'll show you funding options tailored to your needs — no credit impact, no commitment.
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Even a 50-point improvement in your credit score can drop your APR by 3–5%. Pay down revolving balances, correct reporting errors, and maintain on-time payments for 90 days before applying.
Lower APR by 3–5%Learn MoreA 12-month term on a $100K loan at 15% APR saves over $8,000 in interest compared to a 36-month term. If your cash flow supports higher monthly payments, shorter terms dramatically cut your total cost.
Save thousands in interestLearn MoreAdding even $150/month to a $200K loan at 12% APR can shorten your payoff by 6+ months and save over $3,000 in total interest. Use the extra payment slider above to see your exact savings.
Accelerate payoffLearn MoreNever accept the first offer. GBB Loans matches you with multiple lending partners so you can compare rates, terms, and fees side by side — ensuring you get the most competitive deal for your business.
Multiple offers, one applicationLearn MoreOffering collateral — equipment, real estate, or inventory — can unlock APRs 5–10% lower than unsecured options. If you have assets, secured business loans deliver significantly better terms.
5–10% lower ratesLearn MoreCompatible products
Explore the full range of funding options available for your business — from fast working capital to long-term SBA financing.
Cover payroll, restock inventory, or bridge cash flow gaps with flexible working capital designed for speed.
Get funded fast with repayment terms from 3 to 18 months — ideal when you need capital now and can pay it back quickly.
Government-backed loans with the lowest APRs and longest terms available — perfect for major growth investments.
Draw funds as needed, repay, and redraw. Only pay interest on what you use — ideal for ongoing cash management.
Calculator FAQ
You've seen the estimates — now get a real offer. Prequalify in under 2 minutes with zero impact to your credit score. Your dedicated funding advisor is standing by.