Money & mortgage

Small-business financing

Compare monthly payments, interest, fees, and cash-flow demands across small-business term loans, SBA financing, equipment loans, and credit lines.

4 calculatorsEnglish and ChineseNo account required

Calculator set

Small-business financing calculators

Open a calculator for an immediate estimate, then use its method notes, examples, limits, and sources to understand the result.

Understand, then calculate

Make sense of the key numbers in Small-business financing

Small-business financing decisions become more useful when every input uses the same period, scope, and cash-flow timing. Start with documented figures, then compare more than one scenario.

Use this collection to examine loan payments, fees, interest, and borrowing terms. Keep the result as a planning estimate and verify current tax, lender, or accounting rules before acting.

Result checklist

What you can work out here

Identify the decision first, then open the calculator that answers it.

Comparable baseline
Put the main figures on a consistent basis before comparing choices.
Cash-flow effect
See how the selected assumptions change monthly or quarterly cash needs.
Total-cost view
Compare cumulative cost, interest, tax, or profit—not only the first payment.
Scenario range
Test conservative and optimistic inputs to understand sensitivity.
Essential concepts

Core terms in plain language

Understand the recurring inputs and results instead of reading only the final number.

Cash flow
Money received or paid during a defined period.
Effective rate
A rate measured against the relevant income, balance, or cost base.
Break-even point
The volume or time at which cumulative benefit recovers cumulative cost.
Planning assumption
An input chosen for comparison that is not a quote, filing result, or guarantee.

Choose with context

Which calculator should you use?

Use these distinctions to move through the Small-business financing tools without comparing unrelated results.

  1. 01

    Match the calculator to the actual financing product.

  2. 02

    Compare total cost as well as the monthly payment.

  3. 03

    Add lender fees, collateral terms, draw rules, and variable-rate risk before deciding.

Common questions

What else to know about Small-business financing

These answers explain how to use the estimates and where their limits begin.

Are these results exact?

No. They apply the displayed inputs and formulas consistently, while real tax, lender, and business rules can add costs or eligibility conditions.

How should I compare scenarios?

Keep all unchanged inputs identical, alter one important assumption at a time, and compare both recurring cash flow and total cost.