Business Loan & Working Capital Calculator — Estimate Payments
Use this business funding calculator as a working capital loan calculator to see your monthly payment, total cost of capital, effective annual rate, and break-even timeline before you apply. Built by Pro Capital — works for term loans, SBA loans, lines of credit, and equipment financing.
No loan minimum or maximum
Customizable loans with terms up to 84 months
Term loans and lines of credit start at Prime + 1; other pricing varies.
Estimated Monthly Payment
$4,911
6.55% of monthly revenue
Total Repayment
$176,789
Total Interest
$26,789
Effective Annual Rate
5.95%
Break-Even Estimate
58 mo
Soft credit pull only
Business loan rates & funding benchmarks
Use these published benchmarks alongside the calculator to sanity-check what you should expect to pay.
Starting rate for term loans and lines of credit
Source: Federal Reserve Small Business Credit Survey, 2024
SBA loan pricing depends on lender and profile
Source: U.S. Small Business Administration, 2024
More funding options for businesses with 2+ years of operating history
Source: Federal Reserve SBCS report, 2024
Outstanding small business loan balances at U.S. banks
Source: FDIC Quarterly Banking Profile, 2024
Share of small business loan applicants who received the full amount requested
Source: Federal Reserve SBCS, 2024
Payment-to-monthly-revenue ratio most lenders look for when underwriting
Source: Industry underwriting guidance
Estimates only. Your actual rate, term, and offer depend on credit profile, time in business, revenue, industry, and lender.
True cost of capital
Total interest plus principal — the real number that hits your P&L over the life of the loan.
Affordability check
Payment as a % of monthly revenue. Most lenders look for under 15–20%.
Break-even timing
Rough months until the funded use case (equipment, marketing, hiring) pays back the loan.
Business funding calculator FAQ
- How does the business funding calculator work?
- Use this business funding calculator as a working capital loan calculator: enter your loan amount, term in months, estimated annual interest rate, and monthly business revenue. The calculator uses the standard amortizing loan formula to estimate your monthly payment, total interest, total cost of capital, and payment-to-revenue ratio.
- What rate should I use for a business loan estimate?
- Term loans and lines of credit start at Prime + 1. Final pricing depends on the lender, the product, and your business profile. Use the rate provided in an actual offer for the most relevant estimate.
- What is a healthy payment-to-revenue ratio?
- Most lenders prefer total monthly debt payments to stay below 15%–20% of monthly revenue. If the calculator shows a higher ratio, consider a longer term, a smaller loan amount, or a line of credit instead of a fixed term loan.
- Does using the calculator affect my credit score?
- No. The calculator runs entirely in your browser and does not pull your credit. Pro Capital uses a soft credit check only, which has zero impact on your credit score.
- How accurate are the estimates?
- Estimates are based on standard amortization math and the inputs you provide. Your actual rate, term, and offer depend on credit profile, time in business, revenue, industry, and the specific lender from Pro Capital's large partner network.
- Can I embed this calculator on my own website?
- Yes. Copy the embed snippet provided on this page to add the Pro Capital Business Funding Calculator to your website, blog, or accountant client portal.
Like the numbers? Compare business funding offers.
One application reaches a bank or lender for every type of business. Soft credit pull only.
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