Business Loan Calculator SBA · Bank · MCA

Compare SBA loans, bank term loans, and merchant cash advances — true APR, monthly payment, total cost

What is this? Business loans look simple on paper but the real cost varies enormously. SBA loans have upfront guarantee fees, merchant cash advances charge huge effective rates, and "6%" bank loans often come with thousands in junk fees. This calculator reveals the TRUE cost — including fees, MCA holdbacks, and APR — so you can compare apples to apples.

Who it's for: Small business owners comparing financing offers, startups applying for SBA 7(a) loans, or anyone evaluating a merchant cash advance (MCA). If you've received multiple loan offers, use this to find out which one actually costs the least.

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Your Loan Offer

Lender Name

Loan Amount ($) oninput="calculate()"

Interest Rate (%) APR or factor rate oninput="calculate()"

Loan Term

Origination Fee (%) oninput="calculate()"

Additional Fees ($) application, legal, guarantee oninput="calculate()"

SBA 7(a) note: SBA charges a 2% guarantee fee on loans over $150K (1% for loans $150K or less). Add this to "Additional Fees".

Compare to Another Offer (optional)

Lender Name

Loan Amount ($) oninput="calculate()"

Interest / Factor Rate (%) oninput="calculate()"

Term

Origination Fee (%) oninput="calculate()"

Holdback Rate (%) MCA daily/weekly holdback oninput="calculate()"

Business Impact

Your Gross Profit Margin (%) revenue - COGS

Monthly Revenue ($)

Break-even analysis: Shows how much monthly revenue you need to cover the loan payment, and what % of your revenue goes to loan costs.

Side-by-Side Comparison

Metric	Bank Term Loan	MCA

Loan 1 — Full Breakdown

Monthly Payment

—

True APR

—

Total Interest

—

All-In Cost

—

fees + interest

Break-Even Revenue

—

min monthly revenue

Revenue to Loan Cost

—

% of monthly revenue

Loan 1 — Amortization Schedule

Year	Principal	Interest	Balance	Cum. Interest

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★ Upskill — Invest Your Business Profits

Estimates only. True APR varies by lender. SBA fees include 2% guarantee fee. Consult a lender or CPA before borrowing.

📊 Get the Full Business Loan Report

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