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Commercial Loan Calculator

Calculate Your Payments and Total Cost of Borrowing

Commercial Loan Qualifications

  • Time in Business:1+ Years
  • Annual Revenue: $75,000+
  • Credit Score:540+

Get pre-approved today, so you have the funds you need tomorrow.

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Table of Contents

  • How to Use Our Commercial Business Loan Calculator
  • Understanding Your Results
  • Navigating Loan Costs
  • Commercial Loan Calculator Use Cases
  • Compute Your Costs With the Commercial Loan Calculator

When searching for small business loans, you want to make sure you get the best deal. It may be difficult, however, to estimate the cost of borrowing for larger loans like real estate mortgages, business acquisitions and equipment purchases.

With our commercial loan calculator, you can get an idea of how much you can afford to finance over what term. Just plug in the numbers and find out what your monthly payments might look like.

How to Use Our Commercial Business Loan Calculator

The commercial loan repayment calculator can be used to estimate the cost of borrowing for: 

  • Commercial real estate (structures, property, land, etc.) mortgages
  • Commercial construction and renovation loans
  • Commercial equity loans
  • Commercial investment loans
  • Commercial vehicle loans
  • Commercial loan refinancing
  • Working capital loans

To use the calculator, input the following: 

Loan Amount

Enter how much you’re looking to borrow. If you’re seeking a $250,000 commercial real estate loan, plug that number into the calculator. 

If you know how much you’ll be contributing for a down payment, simply subtract that number from  $250,000 to get your total loan amount.

Estimated Interest Rate

Depending on your business’s overall creditworthiness, you can expect between 5.5-9 percent for your commercial loan interest rates. 

Our calculator allows you to see how small changes in rates affect your costs. Simply add or subtract to see what even a single percentage point can do to your bottom line.

Loan Term

The length of time it takes to pay off your loan will vary depending on your eligibility, principal amount and the purpose of the loan. You can see how term lengths between 5-25 years can change your total costs and monthly payments.

Understanding Your Results

Based on the information you provide, the commercial loan calculator will give you an estimated monthly payment, total repayment amount and cost of borrowing.

Monthly Payment: This is the amount you’ll pay for your monthly installments. It consists of principal and interest. 

Many commercial loans are fully amortized. You can create a commercial loan amortization table in Excel to calculate the amount of interest and principal included in each payment. 

Total Repayment Amount: Your total repayment amount includes everything you’ll pay by the maturity date of your loan. This consists of the original principal as well as any accrued interest and fees.

Note: Our loan calculator gives you a general idea of your repayment amount. Fees may apply and will differ by lender. 

Cost of Loan: This represents the total cost of borrowing from your lender. It includes the interest and fees they charge you. To calculate this number, subtract the original balance of the loan from the total repayment amount.

Total Repayment Amount – Loan Amount = Cost of Loan


Let’s input an example of a 5-year, $350,000 commercial mortgage loan into the calculator at 7 percent interest.

$415,825 – $350,000 = $65,825


In this scenario, you’ll pay a total of $65,825 in interest over the term of your commercial real estate loan. 


Explore Your Options

Because our commercial loan calculator can’t predict fees and your business’s creditworthiness, it isn’t an exact science. 

Your lender may approve you for less than you ask for, give you a higher interest rate than you estimated or limit the repayment length of your loan. The calculator can help you prepare for these possibilities.

Adjust the loan amount, interest rate and term length to see how they affect monthly payments and the total cost of a loan.

For example, placing a $30,000 down payment on the commercial property reduces your borrowing amount to $320,000 and lowers the cost of the loan to $60,183, saving you over $5,000. Increase the interest rate to 9 percent, however, and that $60,183 turns into $78,560.

Taking the time to explore all of the possible scenarios allows you to prepare for whatever numbers you’re given when negotiating with a lender.

Commercial Loan Calculator Use Cases

Unlike some of our other business loan calculators that focus on a specific type of financing, this one can be used for multiple scenarios. Generally, it works for any long-term, high-principal business loan. Here are some common financing projects. 

Commercial Real Estate

If you’re looking to purchase commercial property, it’s a great idea to take the time to assess what the mortgage may cost you. 

This calculator is a great tool for accomplishing this, as the longer repayment terms and high amounts you can input match what you can expect when purchasing commercial real estate.

Term Loans

Business term loans can be used for most mid- to large-sized projects that require outside funding. They’re best used for smaller real estate purchases, renovations, expansion and other general purposes. 

Commercial Term Loan Calculator


SBA Loans

The Small Business Administration creates loan programs to help business owners seek affordable financing. 

Some have abbreviated terms, but they generally offer long-term financing with medium- to large-sized amounts.

You can obtain SBA loans for everything from basic working capital to the construction of commercial real estate.

SBA Commercial Loan Calculator


Equipment Financing

Equipment loans help you cover the purchase of the equipment and vehicles you need to run your business. Common uses are for purchasing commercial trucks, kitchen equipment and computers. 

You can get up to 100-percent of the value of the equipment you’re buying. 

 Commercial Equipment Loan Calculator


If you’re searching for business funding but aren’t sure if these commercial loans are right for you, compare the costs with the business line of credit, invoice financing and merchant cash advance calculators to find the best fit.

Compute Your Costs With the Commercial Loan Calculator

Navigating the costs associated with a small business loan can be tough. There is no one-size-fits-all tool that can tell you exactly what the rates and fees will be when you apply.

But by plugging in multiple scenarios to account for higher or lower interest rates and repayment lengths, you can gain insight into the costs of applying for any of these financing products.

If you don’t think you can afford it, try building your credit, or save up some funds to commit a larger down payment. Remember, you can circumvent interest costs with principal-only payments over the life of your loan.

Once you feel the time is right, you can apply to get the funding your small business needs.


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