{"product_id":"business-loan-calculator","title":"Business Loan Calculator","description":"\u003cstyle\u003e\n.blc-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  color: var(--ink);\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n  container-type: inline-size;\n  font-family: Arial, Helvetica, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  margin: 0 auto;\n  max-width: 1200px;\n  padding: 24px;\n  width: 100%;\n}\n.blc-calculator,\n.blc-calculator *,\n.blc-calculator *::before,\n.blc-calculator *::after {\n  box-sizing: border-box;\n}\n.blc-calculator .blc-header,\n.blc-calculator .blc-toolbar,\n.blc-calculator .blc-workspace,\n.blc-calculator .blc-card,\n.blc-calculator .blc-results-grid,\n.blc-calculator .blc-chart-cluster,\n.blc-calculator .blc-legend-row,\n.blc-calculator .blc-table-toolbar,\n.blc-calculator .blc-education,\n.blc-calculator .blc-field,\n.blc-calculator .blc-field-grid,\n.blc-calculator .blc-chart-card,\n.blc-calculator .blc-table-card,\n.blc-calculator .blc-chart-plot,\n.blc-calculator .blc-chart-legend,\n.blc-calculator .blc-chart-caption,\n.blc-calculator .blc-table-overflow,\n.blc-calculator .blc-table-note {\n  min-width: 0;\n}\n.blc-calculator h2,\n.blc-calculator h3,\n.blc-calculator p {\n  margin-top: 0;\n}\n.blc-calculator .blc-header h2 {\n  color: var(--ink);\n  font-size: 24px;\n  font-weight: 700;\n  line-height: 1.25;\n  margin-bottom: 8px;\n}\n.blc-calculator .blc-header-copy {\n  color: var(--muted);\n  margin-bottom: 16px;\n  max-width: 780px;\n}\n.blc-calculator .blc-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n}\n.blc-calculator .blc-pill {\n  align-items: center;\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  color: var(--muted);\n  display: inline-flex;\n  font-size: 13px;\n  font-weight: 500;\n  min-height: 32px;\n  padding: 4px 12px;\n}\n.blc-calculator .blc-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n  margin-right: 4px;\n}\n.blc-calculator .blc-toolbar {\n  align-items: center;\n  border-bottom: 1px solid var(--border);\n  border-top: 1px solid var(--border);\n  display: flex;\n  flex-wrap: wrap;\n  gap: 12px;\n  margin: 24px 0;\n  padding: 16px 0;\n}\n.blc-calculator .blc-button {\n  align-items: center;\n  border: 1px solid transparent;\n  border-radius: 6px;\n  cursor: pointer;\n  display: inline-flex;\n  font: inherit;\n  font-size: 15px;\n  font-weight: 650;\n  gap: 10px;\n  justify-content: center;\n  min-height: 44px;\n  padding: 12px 18px;\n  text-decoration: none;\n  white-space: nowrap;\n}\n.blc-calculator .blc-button:focus-visible,\n.blc-calculator input:focus-visible,\n.blc-calculator select:focus-visible,\n.blc-calculator .blc-mode-button:focus-visible {\n  outline: 3px solid rgba(29, 78, 216, .35);\n  outline-offset: 2px;\n}\n.blc-calculator .blc-download {\n  background: var(--accent);\n  color: #ffffff;\n}\n.blc-calculator .blc-download:hover,\n.blc-calculator .blc-download:active {\n  background: var(--accent-hover);\n}\n.blc-calculator .blc-download svg {\n  display: block;\n  flex: 0 0 auto;\n  height: 20px;\n  width: 20px;\n}\n.blc-calculator .blc-reset {\n  background: var(--surface);\n  border-color: #64748b;\n  color: var(--ink);\n}\n.blc-calculator .blc-reset:hover {\n  background: var(--tint);\n  box-shadow: 0 2px 4px rgba(15, 23, 42, .10);\n}\n.blc-calculator .blc-workspace {\n  display: grid;\n  gap: 24px;\n  grid-template-columns: minmax(0, 1fr);\n}\n.blc-calculator .blc-card {\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n  padding: 20px;\n}\n.blc-calculator .blc-card-title {\n  color: var(--ink);\n  font-size: 18px;\n  font-weight: 650;\n  line-height: 1.35;\n  margin-bottom: 16px;\n}\n.blc-calculator .blc-field-grid {\n  display: grid;\n  gap: 16px;\n  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));\n}\n.blc-calculator .blc-field {\n  display: flex;\n  flex-direction: column;\n}\n.blc-calculator .blc-label,\n.blc-calculator .blc-fieldset legend {\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n  line-height: 1.35;\n  margin-bottom: 8px;\n}\n.blc-calculator .blc-input,\n.blc-calculator .blc-select {\n  appearance: none;\n  background: var(--surface);\n  border: 1px solid #64748b;\n  border-radius: 6px;\n  color: var(--ink);\n  font: inherit;\n  font-size: 15px;\n  min-height: 44px;\n  padding: 10px 12px;\n  width: 100%;\n}\n.blc-calculator .blc-select-wrap {\n  position: relative;\n}\n.blc-calculator .blc-select-wrap::after {\n  border-bottom: 2px solid var(--muted);\n  border-right: 2px solid var(--muted);\n  content: \"\";\n  height: 8px;\n  pointer-events: none;\n  position: absolute;\n  right: 14px;\n  top: 16px;\n  transform: rotate(45deg);\n  width: 8px;\n}\n.blc-calculator .blc-select {\n  padding-right: 38px;\n}\n.blc-calculator .blc-helper,\n.blc-calculator .blc-error {\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.4;\n  min-height: 36px;\n  padding-top: 6px;\n}\n.blc-calculator .blc-helper {\n  color: var(--muted);\n}\n.blc-calculator .blc-error {\n  color: #b91c1c;\n  display: none;\n}\n.blc-calculator .blc-field.blc-has-error .blc-input,\n.blc-calculator .blc-field.blc-has-error .blc-select {\n  border-color: #b91c1c;\n}\n.blc-calculator .blc-field.blc-has-error .blc-helper {\n  display: none;\n}\n.blc-calculator .blc-field.blc-has-error .blc-error {\n  display: block;\n}\n.blc-calculator .blc-results-primary {\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  margin-bottom: 16px;\n  padding: 16px;\n}\n.blc-calculator .blc-primary-label {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-bottom: 4px;\n}\n.blc-calculator .blc-primary-value {\n  color: var(--ink);\n  font-size: 30px;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  line-height: 1.2;\n  overflow-wrap: anywhere;\n}\n.blc-calculator .blc-primary-subtext {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-top: 6px;\n}\n.blc-calculator .blc-results-grid {\n  display: grid;\n  gap: 12px;\n  grid-template-columns: repeat(auto-fit, minmax(145px, 1fr));\n}\n.blc-calculator .blc-result-card {\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  padding: 14px;\n}\n.blc-calculator .blc-result-label {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.35;\n}\n.blc-calculator .blc-result-value {\n  color: var(--ink);\n  font-size: 20px;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  line-height: 1.3;\n  margin-top: 4px;\n  overflow-wrap: anywhere;\n}\n.blc-calculator .blc-result-note {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-top: 4px;\n}\n.blc-calculator .blc-section {\n  margin-top: 24px;\n}\n.blc-calculator .blc-chart-heading-row {\n  display: grid;\n  gap: 8px;\n  margin-bottom: 16px;\n}\n.blc-calculator .blc-chart-heading-row .blc-card-title {\n  margin-bottom: 0;\n}\n.blc-calculator .blc-chart-interpretation {\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-bottom: 0;\n}\n.blc-calculator .blc-chart-total {\n  color: var(--ink);\n  font-size: 15px;\n  font-weight: 600;\n  margin-bottom: 16px;\n}\n.blc-calculator .blc-chart-total strong {\n  font-size: 20px;\n  font-variant-numeric: tabular-nums;\n  margin-left: 6px;\n}\n.blc-calculator .blc-chart-cluster {\n  align-items: center;\n  display: grid;\n  gap: 24px;\n  justify-content: center;\n  margin: 0 auto;\n  max-width: 760px;\n}\n.blc-calculator .blc-chart-plot {\n  display: grid;\n  justify-items: center;\n  width: 100%;\n}\n.blc-calculator .blc-donut-svg {\n  display: block;\n  height: auto;\n  max-width: 320px;\n  width: min(100%, 320px);\n}\n.blc-calculator .blc-donut-segment {\n  fill: none;\n  stroke-width: 48;\n}\n.blc-calculator .blc-donut-label {\n  fill: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n  text-anchor: middle;\n}\n.blc-calculator .blc-donut-value {\n  fill: var(--ink);\n  font-size: 18px;\n  font-weight: 700;\n  text-anchor: middle;\n}\n.blc-calculator .blc-chart-empty {\n  align-items: center;\n  background: var(--tint);\n  border: 1px dashed #64748b;\n  border-radius: 6px;\n  color: var(--muted);\n  display: none;\n  font-size: 13px;\n  font-weight: 500;\n  justify-content: center;\n  max-width: 520px;\n  min-height: 88px;\n  padding: 16px;\n  text-align: center;\n  width: 100%;\n}\n.blc-calculator .blc-chart-empty.blc-is-visible {\n  display: flex;\n}\n.blc-calculator .blc-chart-legend {\n  display: grid;\n  gap: 10px;\n  justify-content: center;\n}\n.blc-calculator .blc-legend-row {\n  align-items: center;\n  display: grid;\n  gap: 8px 12px;\n  grid-template-columns: 14px minmax(72px, max-content) max-content max-content;\n}\n.blc-calculator .blc-legend-swatch {\n  border-radius: 3px;\n  height: 12px;\n  width: 12px;\n}\n.blc-calculator .blc-legend-name,\n.blc-calculator .blc-legend-value,\n.blc-calculator .blc-legend-percent {\n  font-size: 13px;\n  font-weight: 500;\n}\n.blc-calculator .blc-legend-name {\n  color: var(--ink);\n}\n.blc-calculator .blc-legend-value,\n.blc-calculator .blc-legend-percent {\n  color: var(--muted);\n  font-variant-numeric: tabular-nums;\n}\n.blc-calculator .blc-chart-table-wrap {\n  margin-top: 24px;\n}\n.blc-calculator .blc-chart-caption,\n.blc-calculator .blc-table-note {\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-top: 16px;\n  padding: 10px 12px;\n}\n.blc-calculator .blc-safe-stack .blc-chart-cluster {\n  gap: 20px;\n  grid-template-columns: minmax(0, 1fr);\n}\n.blc-calculator .blc-safe-stack .blc-chart-legend {\n  margin-top: 0;\n}\n.blc-calculator .blc-safe-stack .blc-chart-caption {\n  margin-top: 20px;\n}\n.blc-calculator .blc-table-toolbar {\n  align-items: center;\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-bottom: 16px;\n}\n.blc-calculator .blc-mode-button {\n  background: var(--surface);\n  border: 1px solid #64748b;\n  border-radius: 6px;\n  color: var(--ink);\n  cursor: pointer;\n  font: inherit;\n  font-size: 13px;\n  font-weight: 600;\n  min-height: 40px;\n  padding: 8px 12px;\n}\n.blc-calculator .blc-mode-button.blc-is-active {\n  background: var(--primary);\n  border-color: var(--primary);\n  color: #ffffff;\n}\n.blc-calculator .blc-table-overflow {\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  overflow-x: auto;\n  width: 100%;\n}\n.blc-calculator table {\n  border-collapse: collapse;\n  min-width: 620px;\n  width: 100%;\n}\n.blc-calculator th,\n.blc-calculator td {\n  border-bottom: 1px solid var(--border);\n  padding: 10px 12px;\n  text-align: left;\n  vertical-align: middle;\n}\n.blc-calculator th {\n  background: var(--tint);\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 650;\n  white-space: nowrap;\n}\n.blc-calculator td {\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 500;\n}\n.blc-calculator th.blc-num,\n.blc-calculator td.blc-num {\n  font-variant-numeric: tabular-nums;\n  text-align: right;\n  white-space: nowrap;\n}\n.blc-calculator tbody tr:last-child td {\n  border-bottom: 0;\n}\n.blc-calculator .blc-chart-data-table {\n  min-width: 520px;\n}\n.blc-calculator .blc-safe-table-stack .blc-table-note {\n  margin-top: 20px;\n}\n.blc-calculator .blc-education {\n  border-top: 1px solid var(--border);\n  margin-top: 32px;\n  padding-top: 24px;\n}\n.blc-calculator .blc-education h2 {\n  color: var(--ink);\n  font-size: 22px;\n  font-weight: 700;\n  line-height: 1.3;\n  margin-bottom: 12px;\n}\n.blc-calculator .blc-education h3 {\n  color: var(--ink);\n  font-size: 18px;\n  font-weight: 650;\n  line-height: 1.35;\n  margin-bottom: 8px;\n  margin-top: 24px;\n}\n.blc-calculator .blc-education p,\n.blc-calculator .blc-education li {\n  color: #334155;\n  font-size: 15px;\n}\n.blc-calculator .blc-education ul {\n  padding-left: 22px;\n}\n.blc-calculator .blc-education a {\n  color: #1d4ed8;\n  font-weight: 600;\n  text-decoration-thickness: 1px;\n  text-underline-offset: 2px;\n}\n.blc-calculator .blc-disclaimer {\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n  margin-top: 24px;\n  padding: 12px;\n}\n@container (min-width: 640px) {\n  .blc-calculator .blc-chart-cluster {\n    grid-template-columns: minmax(240px, 320px) max-content;\n  }\n}\n@container (min-width: 900px) {\n  .blc-calculator .blc-workspace {\n    align-items: start;\n    grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);\n  }\n}\n@container (max-width: 639px) {\n  .blc-calculator {\n    padding: 16px;\n  }\n  .blc-calculator .blc-card {\n    padding: 16px;\n  }\n  .blc-calculator .blc-chart-cluster {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .blc-calculator .blc-legend-row {\n    grid-template-columns: 14px minmax(70px, max-content) max-content max-content;\n  }\n}\n@container (max-width: 389px) {\n  .blc-calculator .blc-toolbar {\n    align-items: stretch;\n    flex-direction: column;\n  }\n  .blc-calculator .blc-button {\n    width: 100%;\n  }\n  .blc-calculator .blc-legend-row {\n    grid-template-columns: 14px minmax(0, 1fr) max-content;\n  }\n  .blc-calculator .blc-legend-percent {\n    grid-column: 2 \/ 4;\n    padding-left: 0;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"blc-calculator\" data-calculator-root\u003e\n  \u003csection class=\"blc-header\" aria-labelledby=\"blc-title\"\u003e\n    \u003ch2 id=\"blc-title\"\u003eBusiness Loan Calculator\u003c\/h2\u003e\n    \u003cp class=\"blc-header-copy\"\u003eEstimate periodic payments, total borrowing cost, fee-adjusted APR, and the full amortization path for a business term loan.\u003c\/p\u003e\n    \u003cdiv class=\"blc-pills\" aria-label=\"Live loan summary\"\u003e\n      \u003cspan class=\"blc-pill\"\u003e\u003cstrong data-pill-payment\u003e$0.00\u003c\/strong\u003e\u003cspan data-pill-frequency\u003eper period\u003c\/span\u003e\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003e\u003cstrong data-pill-count\u003e0\u003c\/strong\u003epayments\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003e\u003cstrong data-pill-fees\u003e$0.00\u003c\/strong\u003efees\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003e\u003cstrong data-pill-apr\u003e—\u003c\/strong\u003efee-adjusted APR\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003cdiv class=\"blc-toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"blc-button blc-download\" type=\"button\" data-download\u003e\n      \u003csvg aria-hidden=\"true\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\u003e\u003cpath d=\"M12 3v12\"\u003e\u003c\/path\u003e\u003cpath d=\"m7 10 5 5 5-5\"\u003e\u003c\/path\u003e\u003cpath d=\"M5 21h14\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"blc-button blc-reset\" type=\"button\" data-reset\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cdiv class=\"blc-workspace\"\u003e\n    \u003csection class=\"blc-card\" aria-labelledby=\"blc-inputs-title\"\u003e\n      \u003ch3 class=\"blc-card-title\" id=\"blc-inputs-title\"\u003eLoan assumptions\u003c\/h3\u003e\n      \u003cdiv class=\"blc-field-grid\"\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"loanAmount\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-loan-amount\"\u003eLoan amount\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-loan-amount\" data-input=\"loanAmount\" data-mask=\"currency\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$10,000.00\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003ePrincipal stated in the loan agreement.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"loanAmount\"\u003eEnter a nonnegative dollar amount.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"interestRate\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-interest-rate\"\u003eInterest rate\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-interest-rate\" data-input=\"interestRate\" data-mask=\"percent\" inputmode=\"decimal\" autocomplete=\"off\" value=\"10.00%\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eQuoted annual nominal rate.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"interestRate\"\u003eEnter a nonnegative percentage.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"compound\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-compound\"\u003eCompounding\u003c\/label\u003e\n          \u003cdiv class=\"blc-select-wrap\"\u003e\n            \u003cselect class=\"blc-select\" id=\"blc-compound\" data-input=\"compound\"\u003e\n              \u003coption value=\"annual\"\u003eAnnually (APY)\u003c\/option\u003e\n              \u003coption value=\"semiannual\"\u003eSemi-annually\u003c\/option\u003e\n              \u003coption value=\"quarterly\"\u003eQuarterly\u003c\/option\u003e\n              \u003coption value=\"monthly\" selected\u003eMonthly (APR)\u003c\/option\u003e\n              \u003coption value=\"semimonthly\"\u003eSemi-monthly\u003c\/option\u003e\n              \u003coption value=\"biweekly\"\u003eBiweekly\u003c\/option\u003e\n              \u003coption value=\"weekly\"\u003eWeekly\u003c\/option\u003e\n              \u003coption value=\"daily\"\u003eDaily\u003c\/option\u003e\n              \u003coption value=\"continuous\"\u003eContinuously\u003c\/option\u003e\n            \u003c\/select\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"blc-helper\"\u003eHow often the quoted rate compounds.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"compound\"\u003eSelect a compounding method.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"years\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-years\"\u003eLoan term: years\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-years\" data-input=\"years\" data-mask=\"integer\" inputmode=\"numeric\" autocomplete=\"off\" value=\"5\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eWhole years in the repayment term.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"years\"\u003eEnter a nonnegative whole number.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"months\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-months\"\u003eAdditional months\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-months\" data-input=\"months\" data-mask=\"integer\" inputmode=\"numeric\" autocomplete=\"off\" value=\"0\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eUse 0–11, or enter a longer month count.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"months\"\u003eEnter a nonnegative whole number.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"payback\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-payback\"\u003eRepayment schedule\u003c\/label\u003e\n          \u003cdiv class=\"blc-select-wrap\"\u003e\n            \u003cselect class=\"blc-select\" id=\"blc-payback\" data-input=\"payback\"\u003e\n              \u003coption value=\"day\"\u003eEvery day\u003c\/option\u003e\n              \u003coption value=\"week\"\u003eEvery week\u003c\/option\u003e\n              \u003coption value=\"biweekly\"\u003eEvery 2 weeks\u003c\/option\u003e\n              \u003coption value=\"halfmonth\"\u003eEvery half month\u003c\/option\u003e\n              \u003coption value=\"month\" selected\u003eEvery month\u003c\/option\u003e\n              \u003coption value=\"quarter\"\u003eEvery quarter\u003c\/option\u003e\n              \u003coption value=\"halfyear\"\u003eEvery 6 months\u003c\/option\u003e\n              \u003coption value=\"year\"\u003eEvery year\u003c\/option\u003e\n              \u003coption value=\"interestonly\"\u003eInterest only\u003c\/option\u003e\n              \u003coption value=\"end\"\u003eIn the end\u003c\/option\u003e\n            \u003c\/select\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"blc-helper\"\u003eFrequency and structure of payments.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"payback\"\u003eSelect a repayment schedule.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"originationFee\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-origination-fee\"\u003eOrigination fee\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-origination-fee\" data-input=\"originationFee\" data-mask=\"percent\" inputmode=\"decimal\" autocomplete=\"off\" value=\"5.00%\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eUpfront fee as a percent of principal.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"originationFee\"\u003eEnter a nonnegative percentage.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"documentationFee\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-documentation-fee\"\u003eDocumentation fee\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-documentation-fee\" data-input=\"documentationFee\" data-mask=\"currency\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$750.00\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eFlat processing or documentation charge.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"documentationFee\"\u003eEnter a nonnegative dollar amount.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-field\" data-field=\"otherFees\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-other-fees\"\u003eOther fees\u003c\/label\u003e\n          \u003cinput class=\"blc-input\" id=\"blc-other-fees\" data-input=\"otherFees\" data-mask=\"currency\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$0.00\"\u003e\n          \u003cdiv class=\"blc-helper\"\u003eOther unavoidable upfront finance charges.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"otherFees\"\u003eEnter a nonnegative dollar amount.\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"blc-card\" aria-labelledby=\"blc-results-title\"\u003e\n      \u003ch3 class=\"blc-card-title\" id=\"blc-results-title\"\u003eLive results\u003c\/h3\u003e\n      \u003cdiv class=\"blc-results-primary\" aria-live=\"polite\" aria-atomic=\"true\"\u003e\n        \u003cdiv class=\"blc-primary-label\" data-primary-label\u003eMonthly payment\u003c\/div\u003e\n        \u003cdiv class=\"blc-primary-value\" data-primary-value\u003e$0.00\u003c\/div\u003e\n        \u003cdiv class=\"blc-primary-subtext\" data-primary-subtext\u003eEnter a loan amount and term to calculate.\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"blc-results-grid\"\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eTotal loan payments\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"totalRepayment\"\u003e$0.00\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\" data-result-note=\"paymentCount\"\u003e0 scheduled payments\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eTotal interest\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"totalInterest\"\u003e$0.00\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\"\u003eExcludes fees\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eTotal fees\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"totalFees\"\u003e$0.00\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\"\u003eOrigination plus flat charges\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eInterest + fees\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"financeCost\"\u003e$0.00\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\"\u003eCost above principal\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eFee-adjusted APR\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"realApr\"\u003e—\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\"\u003eAnnualized from net proceeds\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-result-card\"\u003e\n          \u003cdiv class=\"blc-result-label\"\u003eNet proceeds\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-value\" data-result=\"netProceeds\"\u003e$0.00\u003c\/div\u003e\n          \u003cdiv class=\"blc-result-note\"\u003ePrincipal less upfront fees\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"blc-card blc-section blc-chart-card\" aria-labelledby=\"blc-chart-title\" data-chart-card\u003e\n    \u003cdiv class=\"blc-chart-heading-row\"\u003e\n      \u003ch3 class=\"blc-card-title\" id=\"blc-chart-title\"\u003eCost composition\u003c\/h3\u003e\n      \u003cp class=\"blc-chart-interpretation\" data-chart-interpretation\u003ePrincipal, interest, and fees are shown as shares of total cash outflow.\u003c\/p\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-total\"\u003eTotal cash outflow \u003cstrong data-chart-total\u003e$0.00\u003c\/strong\u003e\n\u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-empty\" data-chart-empty\u003eEnter a loan amount and term to see the cost breakdown.\u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-cluster\" data-chart-cluster\u003e\n      \u003cdiv class=\"blc-chart-plot\" data-chart-plot\u003e\n        \u003csvg class=\"blc-donut-svg\" data-donut viewbox=\"0 0 300 300\" role=\"img\" aria-labelledby=\"blc-donut-title blc-donut-desc\"\u003e\n          \u003ctitle id=\"blc-donut-title\"\u003eLoan cost composition\u003c\/title\u003e\n          \u003cdesc id=\"blc-donut-desc\" data-donut-desc\u003eBreakdown unavailable.\u003c\/desc\u003e\n          \u003cg data-donut-segments transform=\"rotate(-90 150 150)\"\u003e\u003c\/g\u003e\n          \u003ctext class=\"blc-donut-label\" x=\"150\" y=\"140\"\u003eTotal outflow\u003c\/text\u003e\n          \u003ctext class=\"blc-donut-value\" data-donut-value x=\"150\" y=\"166\"\u003e$0.00\u003c\/text\u003e\n        \u003c\/svg\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"blc-chart-legend\" data-chart-legend aria-label=\"Cost breakdown legend\"\u003e\u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-table-overflow blc-chart-table-wrap\" data-chart-table-wrap\u003e\n      \u003ctable class=\"blc-chart-data-table\"\u003e\n        \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCategory\u003c\/th\u003e\n\u003cth class=\"blc-num\"\u003eAmount\u003c\/th\u003e\n\u003cth class=\"blc-num\"\u003eShare\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n        \u003ctbody data-chart-table\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-caption\" data-chart-caption\u003eThe chart and table use the same current calculation. Fees are treated as upfront charges and do not change the contractual payment amount.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"blc-card blc-section blc-table-card\" aria-labelledby=\"blc-schedule-title\" data-table-card\u003e\n    \u003ch3 class=\"blc-card-title\" id=\"blc-schedule-title\"\u003eRepayment schedule\u003c\/h3\u003e\n    \u003cdiv class=\"blc-table-toolbar\" aria-label=\"Schedule detail\"\u003e\n      \u003cbutton class=\"blc-mode-button blc-is-active\" type=\"button\" data-table-mode=\"summary\" aria-pressed=\"true\"\u003eAnnual summary\u003c\/button\u003e\n      \u003cbutton class=\"blc-mode-button\" type=\"button\" data-table-mode=\"full\" aria-pressed=\"false\"\u003eFull schedule\u003c\/button\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-table-overflow\" data-schedule-wrap\u003e\n      \u003ctable\u003e\n        \u003cthead data-schedule-head\u003e\u003c\/thead\u003e\n        \u003ctbody data-schedule-body\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-table-note\" data-table-note\u003eAnnual summary rows aggregate every scheduled payment in that loan year. Switch to Full schedule for each payment-level principal and interest split.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"blc-education\" aria-labelledby=\"blc-education-title\"\u003e\n    \u003ch2 id=\"blc-education-title\"\u003eHow to use the business loan calculator\u003c\/h2\u003e\n    \u003cp\u003eThis calculator estimates the cash-flow burden and total financing cost of a fixed-rate business loan. It is designed for conventional amortizing term loans, interest-only structures with a final balloon, and single-payment maturity loans. Results update as assumptions change, so it is useful for comparing lender quotes, testing shorter and longer terms, and seeing how upfront fees can raise the true annualized cost above the stated interest rate.\u003c\/p\u003e\n\n    \u003ch3\u003eEnter each loan assumption carefully\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eLoan amount\u003c\/strong\u003e is the contractual principal you must repay, not necessarily the cash deposited into your account. A larger principal increases the payment, interest, and any percentage-based origination fee roughly in proportion. Enter the amount shown in the note or term sheet, and avoid entering net proceeds after fees because that would understate the obligation.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eInterest rate\u003c\/strong\u003e is the quoted annual nominal rate. The \u003cstrong\u003ecompounding\u003c\/strong\u003e selector controls how that rate accumulates before it is translated into the chosen payment interval. Monthly (APR) is common for term loans. Annually (APY) treats the entered percentage as an annual effective yield, while continuous compounding is mainly useful for analytical comparisons. A higher rate raises both periodic payments and total interest; at a zero rate, payments are simply principal divided across the schedule.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eLoan term\u003c\/strong\u003e combines whole years and additional months. A longer term normally lowers each payment but increases lifetime interest because the balance remains outstanding longer. A shorter term does the reverse. Enter nonnegative whole numbers. The calculator converts the combined term into the number of payments implied by the selected schedule and keeps the final balance from drifting below zero.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eRepayment schedule\u003c\/strong\u003e determines payment frequency. Daily, weekly, biweekly, semi-monthly, monthly, quarterly, semiannual, and annual choices create level amortizing payments. Interest-only calculates regular interest payments and a final principal balloon. In-the-end grows the balance for the full term and produces one maturity payment. Confirm that the lender's wording matches the selected structure; “biweekly” and “twice monthly” are not the same number of payments per year.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eOrigination fee\u003c\/strong\u003e is entered as a percentage of principal. \u003cstrong\u003eDocumentation fee\u003c\/strong\u003e and \u003cstrong\u003eother fees\u003c\/strong\u003e are flat dollar charges. Include only unavoidable finance charges needed to obtain the loan. These fees reduce net proceeds and increase fee-adjusted APR, but they do not alter the scheduled payment unless the lender explicitly finances them into principal. The \u003ca href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-an-annual-percentage-rate-apr-en-733\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eConsumer Financial Protection Bureau's APR overview\u003c\/a\u003e explains why fees can make APR differ from a note rate.\u003c\/p\u003e\n\n    \u003ch3\u003eInterpret every result\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003ePeriodic payment\u003c\/strong\u003e is the recurring amount for the selected frequency. For interest-only loans it shows the regular interest payment, while the final balloon is identified separately in the schedule. For an in-the-end structure it is the single maturity payment. A payment of zero generally means the principal or term is zero, or the current input set is incomplete.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eTotal loan payments\u003c\/strong\u003e is the sum of all contractual payments, including principal and interest but excluding upfront fees. \u003cstrong\u003eTotal interest\u003c\/strong\u003e is the amount paid above principal through the schedule. \u003cstrong\u003eTotal fees\u003c\/strong\u003e combines the percentage origination charge with the two flat fees. \u003cstrong\u003eInterest + fees\u003c\/strong\u003e is the overall financing cost above principal and is often the clearest dollar measure for comparing quotes with identical loan amounts.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eFee-adjusted APR\u003c\/strong\u003e solves for the periodic return that equates net proceeds with all scheduled payments, then annualizes that rate. It will usually exceed the stated rate when fees are charged. If fees equal or exceed principal, a meaningful APR cannot be calculated because net proceeds are zero or negative. \u003cstrong\u003eNet proceeds\u003c\/strong\u003e shows the cash available after upfront fees; compare this amount with the capital the business actually needs.\u003c\/p\u003e\n    \u003cp\u003eThe cost-composition donut allocates total cash outflow among principal, interest, and fees. Its legend and data table use the exact same model values. A larger interest share signals a more expensive rate, longer term, or slower repayment pattern. A larger fee share means upfront charges are material relative to the loan size. The repayment table shows how each payment reduces principal and covers interest. In early periods of a standard amortizing loan, interest is usually a larger share because the outstanding balance is higher.\u003c\/p\u003e\n\n    \u003ch3\u003eHow the calculation works\u003c\/h3\u003e\n    \u003cp\u003eFor a level-payment loan, the model first converts the entered annual rate and compounding convention into an effective rate for each scheduled interval. It then applies the standard annuity formula so the present value of all payments equals principal. Each schedule row calculates interest on the opening balance, assigns the remainder of the payment to principal, and adjusts the final row to eliminate tiny rounding residuals. Interest-only and maturity-payment structures use the same compounding assumptions but different cash-flow patterns.\u003c\/p\u003e\n    \u003cp\u003eBusiness owners should test several realistic scenarios rather than relying on one quote. Reduce the term to measure interest savings, increase the rate to stress-test refinancing risk, and add all known fees to see their effect on APR. Compare the payment with conservative operating cash flow, including seasonal weak months. The \u003ca href=\"https:\/\/www.sba.gov\/funding-programs\/loans\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eU.S. Small Business Administration loan-program guide\u003c\/a\u003e describes common government-backed options, while the \u003ca href=\"https:\/\/www.federalreserve.gov\/releases\/h15\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFederal Reserve's H.15 release\u003c\/a\u003e provides market-rate context. Tax treatment can vary; review the \u003ca href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/deducting-business-expenses\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIRS business-expense guidance\u003c\/a\u003e and consult a qualified adviser before assuming interest or fees are deductible.\u003c\/p\u003e\n\n    \u003ch3\u003eCommon mistakes and tradeoffs\u003c\/h3\u003e\n    \u003cul\u003e\n      \u003cli\u003eComparing only the periodic payment while ignoring total interest and fees.\u003c\/li\u003e\n      \u003cli\u003eEntering an APR that already\nincludes fees as though it were the contractual note rate.\u003c\/li\u003e\n      \u003cli\u003eTreating a merchant cash advance factor rate as a conventional annual interest rate.\u003c\/li\u003e\n      \u003cli\u003eConfusing semi-monthly payments with biweekly payments, which produce 24 and 26 payments per year respectively.\u003c\/li\u003e\n      \u003cli\u003eAssuming every fee is paid upfront when the lender may instead add it to principal.\u003c\/li\u003e\n      \u003cli\u003eChoosing a long term solely for a lower payment without evaluating the extra lifetime interest.\u003c\/li\u003e\n    \u003c\/ul\u003e\n    \u003cdiv class=\"blc-disclaimer\"\u003eThis tool provides illustrative estimates, not personalized financial, legal, tax, or lending advice. Actual loan documents, day-count conventions, fee treatment, variable rates, prepayment terms, and lender rounding may produce different results.\u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909480227059,"sku":"business-loan-calculator","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/business-loan-calculator.webp?v=1783935366","url":"https:\/\/financialmodelslab.com\/products\/business-loan-calculator","provider":"Financial Models Lab","version":"1.0","type":"link"}