Tool

Business Loan APR Calculator

Estimate the APR of a business loan from net cash received, scheduled payments, upfront fees, closing costs, and any final balloon payment.

Use APR to compare loan offers

A stated interest rate can miss origination fees, closing costs, and payment timing. APR estimates the annualized cost based on the cash received and the payments made. Use it alongside the business loan calculator, DSCR calculator, and merchant cash advance calculator.

This calculator estimates APR from the entered cash flows. Actual lender disclosures, compounding rules, prepayment terms, and legal APR calculations may differ. It is not financial, legal, accounting, or tax advice.