Four calculators
Four calculators that show total cost and total interest, not just a monthly payment.
Business loan payment breakdown
See the full monthly payment, total interest and total cost of a business loan or equipment financing arrangement — not just the headline monthly figure.
Assumptions this uses
- Uses a standard fixed-rate amortization formula, the same math behind most term business loans.
- Rate entered is treated as a fixed annual rate for the full term.
- Does not include origination fees, UCC filing costs or other business financing fees — add those separately.
- Property price/deposit/tax/insurance fields map to loan amount, down payment and carrying costs for any asset-backed business financing.
Limitations: This does not account for factor-rate products, variable-rate resets, prepayment penalties, or lender-specific underwriting minimums.
Runs entirely in your browser.
Your EIN is not a credit score
Getting an Employer Identification Number from the IRS does not create a business credit profile on its own — it just gives lenders and bureaus a number to attach activity to. The profile only starts once a vendor, card issuer or lender reports activity against that EIN. That's why the order of your first few accounts matters more than how quickly you open them.
How much business debt can you actually carry
A rough sketch of how much monthly debt payment a business's revenue could reasonably support, before you approach a lender.
Assumptions this uses
- Income field represents monthly business revenue available to service debt.
- Debt ceiling ratio is a proxy for a lender's debt-service coverage expectation, not a published business lending rule.
- Assumes consistent monthly revenue, which real business cash flow rarely is.
- Does not reflect any specific lender's actual underwriting formula.
Limitations: This does not account for seasonal revenue swings, a lender's specific debt-service coverage ratio requirements, or collateral-based lending limits.
Runs entirely in your browser.
The 6-Month Business Credit Roadmap
A step-by-step worksheet for going from no business credit file to a working one, in the right order.
Get the free guide →Refinance break-even
Work out whether refinancing a business loan actually pays off once fees are counted against the interest savings, and by when.
Assumptions this uses
- Refinancing costs field should include origination fees and any new UCC filing costs, not just an estimate of one.
- Assumes both the old and new loans are fixed-rate for the comparison.
- Break-even point is calculated on interest savings alone, not on any change in monthly cash flow flexibility.
- Does not include prepayment penalties on the original loan — add those to the refinancing costs figure manually.
Limitations: This does not account for a prepayment penalty on the existing loan unless you add it manually, or for a factor-rate product being refinanced into a traditional loan.
Runs entirely in your browser.
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Track your business credit file as it builds
Once you have a few tradelines reporting, a monitoring service shows you the actual scores lenders see — useful before you apply for anything larger.
See monitoring options →Business debt load against revenue
A quick proxy for how your existing debt payments stack up against revenue — the same logic a lender uses when checking debt-service coverage, simplified.
Assumptions this uses
- Income field represents monthly business revenue.
- Housing field can be used for any major fixed monthly obligation, such as a lease or existing loan payment.
- This is a simplified proxy for a debt-service coverage view, not a lender's actual formula.
- Assumes revenue and expenses are both averaged monthly, smoothing over seasonal swings.
Limitations: This does not replicate any specific lender's debt-service coverage ratio calculation, and does not account for seasonal or one-off revenue changes.
Runs entirely in your browser.
Your EIN is not a credit score
Getting an Employer Identification Number from the IRS does not create a business credit profile on its own — it just gives lenders and bureaus a number to attach activity to. The profile only starts once a vendor, card issuer or lender reports activity against that EIN. That's why the order of your first few accounts matters more than how quickly you open them.