{"product_id":"business-loan","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(--tint);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  padding: 24px;\n  font-family: Arial, Helvetica, sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  overflow-wrap: anywhere;\n}\n.blc-calculator, .blc-calculator *, .blc-calculator *::before, .blc-calculator *::after { box-sizing: border-box; }\n.blc-calculator * { min-width: 0; }\n.blc-calculator h2, .blc-calculator h3, .blc-calculator p { margin-top: 0; }\n.blc-calculator h2 { font-size: 24px; line-height: 1.25; font-weight: 700; margin-bottom: 8px; }\n.blc-calculator h3 { font-size: 18px; line-height: 1.35; font-weight: 650; margin-bottom: 16px; }\n.blc-calculator a { color: var(--primary); text-decoration-thickness: 1px; text-underline-offset: 2px; }\n.blc-calculator a:hover { text-decoration-thickness: 2px; }\n.blc-header { margin-bottom: 16px; }\n.blc-subtitle { color: var(--muted); margin-bottom: 16px; max-width: 780px; }\n.blc-pills { display: flex; flex-wrap: wrap; gap: 8px; }\n.blc-pill { display: inline-flex; align-items: center; gap: 6px; min-height: 32px; padding: 6px 10px; border: 1px solid var(--border); border-radius: 999px; background: var(--surface); color: var(--muted); font-size: 13px; font-weight: 500; font-variant-numeric: tabular-nums; }\n.blc-pill strong { color: var(--ink); font-weight: 700; }\n.blc-toolbar { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin-bottom: 16px; }\n.blc-button { appearance: none; border: 1px solid var(--border); border-radius: 6px; min-height: 46px; padding: 12px 18px; background: var(--surface); color: var(--ink); font: inherit; font-weight: 650; cursor: pointer; display: inline-flex; align-items: center; justify-content: center; gap: 10px; white-space: nowrap; box-shadow: 0 1px 2px rgba(15,23,42,.06); }\n.blc-button:hover { border-color: #cbd5e1; box-shadow: 0 2px 5px rgba(15,23,42,.10); }\n.blc-button:focus-visible, .blc-calculator input:focus-visible, .blc-calculator select:focus-visible, .blc-calculator summary:focus-visible { outline: 3px solid rgba(29,78,216,.35); outline-offset: 2px; }\n.blc-download { order: 0; background: var(--accent); border-color: var(--accent); color: #ffffff; }\n.blc-download:hover, .blc-download:active { background: var(--accent-hover); border-color: var(--accent-hover); color: #ffffff; }\n.blc-download svg { width: 19px; height: 19px; flex: 0 0 auto; }\n.blc-reset { order: 1; }\n.blc-workspace { display: grid; grid-template-columns: minmax(0, 1fr); gap: 16px; align-items: start; }\n.blc-panel, .blc-card { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; box-shadow: 0 1px 2px rgba(15,23,42,.06); }\n.blc-panel { padding: 20px; }\n.blc-card { padding: 20px; }\n.blc-section-head { display: flex; align-items: baseline; justify-content: flex-start; gap: 12px; flex-wrap: wrap; margin-bottom: 16px; }\n.blc-section-head h3 { margin-bottom: 0; }\n.blc-section-note { color: var(--muted); font-size: 13px; font-weight: 500; }\n.blc-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; align-items: start; }\n.blc-field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }\n.blc-field-wide { grid-column: 1 \/ -1; }\n.blc-label { display: block; color: var(--ink); font-size: 14px; font-weight: 600; line-height: 1.35; }\n.blc-control { width: 100%; min-height: 44px; border: 1px solid #cbd5e1; border-radius: 6px; background: #ffffff; color: var(--ink); padding: 10px 12px; font: inherit; font-size: 15px; line-height: 1.3; font-variant-numeric: tabular-nums; }\n.blc-control:hover { border-color: #94a3b8; }\n.blc-help { color: var(--muted); font-size: 13px; font-weight: 500; line-height: 1.4; min-height: 36px; }\n.blc-error { color: #991b1b; font-size: 13px; font-weight: 600; min-height: 18px; }\n.blc-control[aria-invalid=\"true\"] { border-color: #b91c1c; box-shadow: 0 0 0 1px #b91c1c; }\n.blc-divider { height: 1px; background: var(--border); margin: 20px 0; }\n.blc-results { display: flex; flex-direction: column; gap: 16px; }\n.blc-primary-result { border-top: 4px solid var(--primary); }\n.blc-result-label { color: var(--muted); font-size: 13px; font-weight: 600; margin-bottom: 4px; }\n.blc-primary-value { font-size: 30px; line-height: 1.15; font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n.blc-primary-meta { color: var(--muted); margin-top: 8px; }\n.blc-narrative { margin: 16px 0 0; padding: 12px; background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 6px; color: #1e3a8a; }\n.blc-result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }\n.blc-metric { padding: 14px; background: var(--tint); border: 1px solid var(--border); border-radius: 6px; min-height: 92px; }\n.blc-metric-label { color: var(--muted); font-size: 13px; font-weight: 600; line-height: 1.35; }\n.blc-metric-value { margin-top: 6px; font-size: 20px; line-height: 1.2; font-weight: 700; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }\n.blc-mode-note { padding: 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--tint); color: var(--muted); }\n.blc-empty-results { color: var(--muted); padding: 24px 0; text-align: center; }\n.blc-breakdown, .blc-chart, .blc-table, .blc-education { margin-top: 16px; }\n.blc-chart-card { display: flex; flex-direction: column; gap: 16px; }\n.blc-chart-intro { color: var(--muted); margin-bottom: 0; }\n.blc-chart-cluster { display: grid; grid-template-columns: minmax(240px, 320px) minmax(0, 360px); justify-content: center; align-items: center; gap: 24px; width: 100%; }\n.blc-chart-visual { width: min(100%, 320px); aspect-ratio: 1 \/ 1; display: flex; align-items: center; justify-content: center; margin-inline: auto; }\n.blc-chart-visual svg { display: block; width: 100%; height: 100%; }\n.blc-legend { display: grid; gap: 8px; align-content: center; justify-content: start; }\n.blc-legend-row { display: grid; grid-template-columns: 12px max-content max-content max-content; align-items: center; gap: 8px 12px; color: var(--ink); font-size: 13px; font-weight: 500; font-variant-numeric: tabular-nums; }\n.blc-swatch { width: 12px; height: 12px; border-radius: 2px; }\n.blc-legend-name { font-weight: 600; }\n.blc-legend-amount, .blc-legend-share { color: var(--muted); }\n.blc-chart-data-wrap { overflow-x: auto; max-width: 100%; }\n.blc-chart-data { border-collapse: collapse; width: 100%; min-width: 360px; font-size: 13px; font-variant-numeric: tabular-nums; }\n.blc-chart-data th, .blc-chart-data td { padding: 8px 10px; border-bottom: 1px solid var(--border); text-align: left; }\n.blc-chart-data th { color: var(--muted); font-weight: 650; background: var(--tint); }\n.blc-chart-data td:nth-child(n+2), .blc-chart-data th:nth-child(n+2) { text-align: right; }\n.blc-chart-callout { margin-top: 16px; padding: 10px 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--tint); color: var(--muted); }\n.blc-chart-empty { padding: 16px; border: 1px dashed #cbd5e1; border-radius: 6px; color: var(--muted); text-align: center; background: var(--tint); }\n.blc-line-plot { width: 100%; display: flex; align-items: center; justify-content: center; }\n.blc-line-plot svg { display: block; width: 100%; height: auto; max-height: 340px; }\n.blc-line-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 20px; margin-top: 16px; }\n.blc-line-legend-item { display: inline-grid; grid-template-columns: 14px max-content; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; }\n.blc-line-key { width: 14px; height: 4px; border-radius: 2px; }\n.blc-safe-chart-stack .blc-chart-cluster { grid-template-columns: minmax(0, 1fr); justify-items: center; gap: 16px; }\n.blc-safe-chart-stack .blc-legend { width: 100%; justify-content: center; }\n.blc-safe-chart-stack .blc-chart-callout { margin-top: 20px; }\n.blc-table-controls { display: flex; align-items: end; flex-wrap: wrap; gap: 12px; margin-bottom: 16px; }\n.blc-table-control { width: min(260px, 100%); }\n.blc-table-wrap { max-width: 100%; overflow-x: auto; border: 1px solid var(--border); border-radius: 6px; background: #ffffff; }\n.blc-table-wrap table { width: 100%; min-width: 760px; border-collapse: collapse; font-variant-numeric: tabular-nums; }\n.blc-table-wrap th, .blc-table-wrap td { padding: 10px 12px; border-bottom: 1px solid var(--border); text-align: right; white-space: nowrap; }\n.blc-table-wrap th { background: #f1f5f9; color: var(--ink); font-size: 13px; font-weight: 700; }\n.blc-table-wrap td { font-size: 14px; }\n.blc-table-wrap th:first-child, .blc-table-wrap td:first-child { text-align: left; }\n.blc-table-wrap tbody tr:last-child td { border-bottom: 0; font-weight: 700; }\n.blc-table-note { margin-top: 16px; padding: 10px 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--tint); color: var(--muted); }\n.blc-safe-table-stack .blc-table-note { margin-top: 20px; }\n.blc-education { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; padding: 24px; }\n.blc-education h2 { margin-top: 0; }\n.blc-education h3 { margin-top: 28px; margin-bottom: 8px; }\n.blc-education p { color: #334155; margin-bottom: 12px; }\n.blc-education ul { margin: 8px 0 16px; padding-left: 22px; color: #334155; }\n.blc-education li { margin-bottom: 8px; }\n.blc-hidden { display: none !important; }\n.blc-visually-hidden { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0,0,0,0) !important; white-space: nowrap !important; border: 0 !important; }\n.blc-live { font-variant-numeric: tabular-nums; }\n@container (min-width: 900px) {\n  .blc-workspace { grid-template-columns: minmax(0, 1.08fr) minmax(340px, .92fr); }\n}\n@container (max-width: 760px) {\n  .blc-calculator { padding: 16px; }\n  .blc-fields { grid-template-columns: minmax(0, 1fr); }\n  .blc-field-wide { grid-column: auto; }\n  .blc-result-grid { grid-template-columns: minmax(0, 1fr); }\n}\n@container (max-width: 799px) {\n  .blc-chart-cluster { grid-template-columns: minmax(0, 1fr); justify-items: center; gap: 16px; }\n  .blc-legend { width: 100%; justify-content: center; }\n  .blc-legend-row { grid-template-columns: 12px max-content max-content max-content; }\n  .blc-chart-callout { margin-top: 16px; }\n}\n@container (max-width: 400px) {\n  .blc-calculator { padding: 12px; }\n  .blc-panel, .blc-card, .blc-education { padding: 16px; }\n  .blc-toolbar { align-items: stretch; }\n  .blc-button { width: 100%; }\n  .blc-legend-row { grid-template-columns: 12px minmax(0, 1fr) max-content; }\n  .blc-legend-share { grid-column: 2 \/ -1; padding-left: 0; }\n  .blc-primary-value { font-size: 27px; }\n}\n@media (max-width: 640px) {\n  .blc-chart-cluster { grid-template-columns: minmax(0, 1fr); justify-items: center; }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"blc-calculator\" data-calculator-root\u003e\n  \u003cheader class=\"blc-header\"\u003e\n    \u003ch2\u003eBusiness Loan Calculator\u003c\/h2\u003e\n    \u003cp class=\"blc-subtitle\"\u003eEstimate payments, financing charges, APR, and a complete amortization schedule for a fixed-payment business loan with optional fees.\u003c\/p\u003e\n    \u003cdiv class=\"blc-pills\" aria-label=\"Live loan summary\"\u003e\n      \u003cspan class=\"blc-pill\"\u003ePayment \u003cstrong class=\"blc-live\" data-pill-payment\u003e—\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003eAPR \u003cstrong class=\"blc-live\" data-pill-apr\u003e—\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003eFunds available \u003cstrong class=\"blc-live\" data-pill-proceeds\u003e—\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"blc-pill\"\u003ePayments \u003cstrong class=\"blc-live\" data-pill-periods\u003e—\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/header\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 viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\u003cpath fill=\"currentColor\" d=\"M12 3a1 1 0 0 1 1 1v8.59l2.3-2.3a1 1 0 1 1 1.4 1.42l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 1 1 1.4-1.42l2.3 2.3V4a1 1 0 0 1 1-1Zm-7 14a1 1 0 0 1 1 1v1h12v-1a1 1 0 1 1 2 0v2a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1v-2a1 1 0 0 1 1-1Z\"\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-panel\" aria-labelledby=\"blc-inputs-title\"\u003e\n      \u003cdiv class=\"blc-section-head\"\u003e\n        \u003ch3 id=\"blc-inputs-title\"\u003eLoan assumptions\u003c\/h3\u003e\n        \u003cspan class=\"blc-section-note\"\u003eResults update as you type\u003c\/span\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"blc-fields\"\u003e\n        \u003cdiv class=\"blc-field blc-field-wide\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-known-rate\"\u003eWhat information do you know?\u003c\/label\u003e\n          \u003cselect class=\"blc-control\" id=\"blc-known-rate\" data-field=\"knownRate\"\u003e\n            \u003coption value=\"\"\u003eChoose a rate basis\u003c\/option\u003e\n            \u003coption value=\"nominal\" selected\u003eNominal interest rate\u003c\/option\u003e\n            \u003coption value=\"apr\"\u003eAPR\u003c\/option\u003e\n            \u003coption value=\"both\"\u003eBoth APR and interest rate\u003c\/option\u003e\n            \u003coption value=\"payment\"\u003eI know the periodic payment\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"blc-help\"\u003eChoose the quote format supplied by the lender.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"knownRate\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\" data-mode-field=\"nominal\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-interest-rate\"\u003eNominal interest rate\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-interest-rate\" data-field=\"interestRate\" data-mask=\"percent\" inputmode=\"decimal\" type=\"text\" value=\"8.00%\"\u003e\n          \u003cdiv class=\"blc-help\"\u003eAnnual nominal rate before lender fees.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"interestRate\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field blc-hidden\" data-mode-field=\"apr\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-apr-rate\"\u003eAnnual percentage rate (APR)\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-apr-rate\" data-field=\"aprRate\" data-mask=\"percent\" inputmode=\"decimal\" type=\"text\" value=\"11.59%\"\u003e\n          \u003cdiv class=\"blc-help\"\u003eAnnualized borrowing cost including financing charges.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"aprRate\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field blc-hidden\" data-mode-field=\"payment\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-known-payment\"\u003eKnown periodic payment\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-known-payment\" data-field=\"knownPayment\" data-mask=\"currency\" inputmode=\"decimal\" type=\"text\" value=\"$2,027.64\"\u003e\n          \u003cdiv class=\"blc-help\"\u003ePayment due at the selected payment frequency.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"knownPayment\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-compound-frequency\"\u003eCompound frequency\u003c\/label\u003e\n          \u003cselect class=\"blc-control\" id=\"blc-compound-frequency\" data-field=\"compoundFrequency\"\u003e\n            \u003coption value=\"\"\u003eChoose frequency\u003c\/option\u003e\n            \u003coption value=\"1\"\u003eYearly\u003c\/option\u003e\n            \u003coption value=\"2\"\u003eSemi-annually\u003c\/option\u003e\n            \u003coption value=\"4\"\u003eQuarterly\u003c\/option\u003e\n            \u003coption value=\"12\" selected\u003eMonthly\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"blc-help\"\u003eHow often the nominal rate compounds.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"compoundFrequency\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-loan-amount\"\u003eLoan amount\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-loan-amount\" data-field=\"loanAmount\" data-mask=\"currency\" inputmode=\"decimal\" type=\"text\" value=\"$100,000.00\"\u003e\n          \u003cdiv class=\"blc-help\"\u003eFace amount requested before deductions or financed fees.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"loanAmount\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-loan-term\"\u003eLoan term\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-loan-term\" data-field=\"loanTerm\" data-mask=\"number\" inputmode=\"decimal\" type=\"text\" value=\"5\"\u003e\n          \u003cdiv class=\"blc-help\"\u003eMaximum modeled term is 40 years.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"loanTerm\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-term-unit\"\u003eTerm unit\u003c\/label\u003e\n          \u003cselect class=\"blc-control\" id=\"blc-term-unit\" data-field=\"termUnit\"\u003e\n            \u003coption value=\"\"\u003eChoose unit\u003c\/option\u003e\n            \u003coption value=\"years\" selected\u003eYears\u003c\/option\u003e\n            \u003coption value=\"months\"\u003eMonths\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"blc-help\"\u003eChanging this unit converts the current term.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"termUnit\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-payment-frequency\"\u003ePayment frequency\u003c\/label\u003e\n          \u003cselect class=\"blc-control\" id=\"blc-payment-frequency\" data-field=\"paymentFrequency\"\u003e\n            \u003coption value=\"\"\u003eChoose frequency\u003c\/option\u003e\n            \u003coption value=\"4\"\u003eQuarterly\u003c\/option\u003e\n            \u003coption value=\"12\" selected\u003eMonthly\u003c\/option\u003e\n            \u003coption value=\"26\"\u003eBi-weekly\u003c\/option\u003e\n            \u003coption value=\"52\"\u003eWeekly\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"blc-help\"\u003eNumber of equal installments made each year.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"paymentFrequency\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"blc-divider\"\u003e\u003c\/div\u003e\n\n      \u003cdiv class=\"blc-section-head\"\u003e\n        \u003ch3\u003eAdditional fees\u003c\/h3\u003e\n        \u003cspan class=\"blc-section-note\"\u003eUse zero where a fee does not apply\u003c\/span\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"blc-fields\"\u003e\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-prepaid-fee\"\u003ePrepaid fee\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-prepaid-fee\" data-field=\"prepaidFee\" data-mask=\"currency\" inputmode=\"decimal\" type=\"text\" value=\"$0.00\"\u003e\n          \u003cdiv class=\"blc-help\"\u003ePaid at closing and not added to the loan balance.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"prepaidFee\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-loaned-fee\"\u003eLoaned fee\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-loaned-fee\" data-field=\"loanedFee\" data-mask=\"currency\" inputmode=\"decimal\" type=\"text\" value=\"$0.00\"\u003e\n          \u003cdiv class=\"blc-help\"\u003eAdded to principal, so it accrues interest.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"loanedFee\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-origination-fee\"\u003eOrigination fee\u003c\/label\u003e\n          \u003cinput class=\"blc-control\" id=\"blc-origination-fee\" data-field=\"originationFee\" data-mask=\"percent\" inputmode=\"decimal\" type=\"text\" value=\"8.00%\"\u003e\n          \u003cdiv class=\"blc-help\"\u003ePercentage of the face loan amount.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"originationFee\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"blc-field\"\u003e\n          \u003clabel class=\"blc-label\" for=\"blc-origination-repayment\"\u003eOrigination fee repayment\u003c\/label\u003e\n          \u003cselect class=\"blc-control\" id=\"blc-origination-repayment\" data-field=\"originationRepayment\"\u003e\n            \u003coption value=\"\"\u003eChoose treatment\u003c\/option\u003e\n            \u003coption value=\"deducted\" selected\u003eDeduct from loan proceeds\u003c\/option\u003e\n            \u003coption value=\"financed\"\u003eAdd to financed balance\u003c\/option\u003e\n            \u003coption value=\"upfront\"\u003ePay separately at closing\u003c\/option\u003e\n          \u003c\/select\u003e\n          \u003cdiv class=\"blc-help\"\u003eChanges cash received, financed principal, and APR.\u003c\/div\u003e\n          \u003cdiv class=\"blc-error\" data-error=\"originationRepayment\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003caside class=\"blc-results\" aria-labelledby=\"blc-results-title\"\u003e\n      \u003csection class=\"blc-card blc-primary-result\"\u003e\n        \u003ch3 id=\"blc-results-title\"\u003eResults\u003c\/h3\u003e\n        \u003cdiv data-results-content\u003e\n          \u003cdiv class=\"blc-result-label\"\u003ePeriodic payment\u003c\/div\u003e\n          \u003cdiv class=\"blc-primary-value blc-live\" data-result=\"payment\"\u003e—\u003c\/div\u003e\n          \u003cdiv class=\"blc-primary-meta\" data-result=\"paymentMeta\"\u003e—\u003c\/div\u003e\n          \u003cp class=\"blc-narrative\" data-result=\"narrative\"\u003eEnter loan assumptions to calculate results.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"blc-empty-results blc-hidden\" data-empty-results\u003eEnter valid loan assumptions to calculate results.\u003c\/div\u003e\n        \u003cdiv class=\"blc-visually-hidden blc-live\" aria-live=\"polite\" data-live-summary\u003e\u003c\/div\u003e\n      \u003c\/section\u003e\n\n      \u003csection class=\"blc-card\"\u003e\n        \u003cdiv class=\"blc-result-grid\"\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eCash received\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"cashReceived\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eFinanced balance\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"financedPrincipal\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eTotal interest\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"totalInterest\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eTotal scheduled payments\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"totalPayments\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eTotal finance charge\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"financeCharge\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eCalculated APR\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"apr\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eEffective APR\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"effectiveApr\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n          \u003cdiv class=\"blc-metric\"\u003e\n\u003cdiv class=\"blc-metric-label\"\u003eFirst-period interest\u003c\/div\u003e\n\u003cdiv class=\"blc-metric-value blc-live\" data-result=\"firstInterest\"\u003e—\u003c\/div\u003e\n\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/section\u003e\n\n      \u003csection class=\"blc-card blc-mode-note\" data-result=\"modeNote\"\u003eThe calculated APR incorporates the stated fees and payment timing.\u003c\/section\u003e\n    \u003c\/aside\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"blc-breakdown blc-card blc-chart-card\" data-chart-card=\"breakdown\" aria-labelledby=\"blc-breakdown-title\"\u003e\n    \u003cdiv\u003e\n      \u003ch3 id=\"blc-breakdown-title\"\u003eFinance charge breakdown\u003c\/h3\u003e\n      \u003cp class=\"blc-chart-intro\" data-breakdown-intro\u003eSee how interest and fees make up the cost of credit.\u003c\/p\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-cluster\" data-breakdown-cluster\u003e\n      \u003cdiv class=\"blc-chart-visual\" data-donut-visual\u003e\u003c\/div\u003e\n      \u003cdiv class=\"blc-legend\" data-donut-legend\u003e\u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-empty blc-hidden\" data-donut-empty\u003eEnter values above to see the finance charge breakdown.\u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-data-wrap\" data-donut-table-wrap\u003e\n      \u003ctable class=\"blc-chart-data\" aria-label=\"Finance charge breakdown data\"\u003e\n        \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eComponent\u003c\/th\u003e\n\u003cth\u003eAmount\u003c\/th\u003e\n\u003cth\u003eShare\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n        \u003ctbody data-donut-table\u003e\u003c\/tbody\u003e\n      \u003c\/table\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-callout\" data-donut-caption\u003eInterest and fees are calculated from the same assumptions used in the payment schedule.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"blc-chart blc-card blc-chart-card\" data-chart-card=\"timeline\" aria-labelledby=\"blc-timeline-title\"\u003e\n    \u003cdiv\u003e\n      \u003ch3 id=\"blc-timeline-title\"\u003eBalance and cumulative interest\u003c\/h3\u003e\n      \u003cp class=\"blc-chart-intro\"\u003eThe remaining balance falls as principal is repaid, while cumulative interest rises over the term.\u003c\/p\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-line-plot\" data-line-plot\u003e\u003c\/div\u003e\n    \u003cdiv class=\"blc-line-legend\" data-line-legend\u003e\u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-empty blc-hidden\" data-line-empty\u003eEnter a positive loan amount and term to draw the repayment timeline.\u003c\/div\u003e\n    \u003cdiv class=\"blc-chart-callout\" data-line-caption\u003eUse the schedule below for the exact value at every payment date.\u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"blc-table blc-card\" data-table-card aria-labelledby=\"blc-table-title\"\u003e\n    \u003cdiv class=\"blc-section-head\"\u003e\n      \u003ch3 id=\"blc-table-title\"\u003eAmortization schedule\u003c\/h3\u003e\n      \u003cspan class=\"blc-section-note\" data-table-count\u003e—\u003c\/span\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-table-controls\"\u003e\n      \u003cdiv class=\"blc-field blc-table-control\"\u003e\n        \u003clabel class=\"blc-label\" for=\"blc-schedule-view\"\u003eSchedule view\u003c\/label\u003e\n        \u003cselect class=\"blc-control\" id=\"blc-schedule-view\" data-field=\"scheduleView\"\u003e\n          \u003coption value=\"payment\" selected\u003eEvery payment\u003c\/option\u003e\n          \u003coption value=\"annual\"\u003eAnnual summary\u003c\/option\u003e\n        \u003c\/select\u003e\n      \u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"blc-table-wrap\" data-table-wrap\u003e\n      \u003ctable aria-label=\"Business loan amortization schedule\"\u003e\n        \u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePeriod\u003c\/th\u003e\n\u003cth\u003ePayment\u003c\/th\u003e\n\u003cth\u003ePrincipal\u003c\/th\u003e\n\u003cth\u003eInterest\u003c\/th\u003e\n\u003cth\u003eBalance\u003c\/th\u003e\n\u003cth\u003eCumulative interest\u003c\/th\u003e\n\u003c\/tr\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\u003ePayments are modeled at the end of each period. The last payment is adjusted by fractions of a cent so the ending balance is exactly zero.\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 payment and full borrowing cost of a fixed-rate, fully amortizing business loan. It is designed for comparing term-loan offers where payments are equal and the balance declines to zero. The calculation includes the timing of compounding, payment frequency, and three common fee treatments. It does not model a revolving line of credit, a merchant cash advance, an interest-only period, a balloon payment, a variable rate, or a prepayment penalty.\u003c\/p\u003e\n\n    \u003ch3\u003eEnter the quoted rate correctly\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eWhat information do you know?\u003c\/strong\u003e Select the form in which the lender supplied the quote. Choose nominal interest rate when the contract states an annual rate before fees. Choose APR when the annual percentage rate is known but the underlying note rate is not. Choose both when you want to compare the lender’s advertised APR with the APR produced by the entered fees. Choose periodic payment when you know the installment and want to infer the approximate rate.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eNominal interest rate\u003c\/strong\u003e is the annual rate used to accrue interest on the financed balance. A higher rate increases each payment and total interest. Enter the stated rate, not a decimal fraction: enter 8 for 8%, not 0.08. \u003cstrong\u003eAPR\u003c\/strong\u003e is an annualized measure that incorporates financing charges and the amount of usable cash received. APR is particularly useful when two offers have different fee structures. 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 explanation\u003c\/a\u003e provides additional context, although commercial-loan disclosure rules can differ from consumer-credit rules.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eCompound frequency\u003c\/strong\u003e determines how the nominal rate converts into the effective rate for each payment period. Monthly compounding is common, but some contracts quote quarterly, semiannual, or annual compounding. \u003cstrong\u003ePayment frequency\u003c\/strong\u003e controls the number of installments per year. More frequent payments usually reduce the balance sooner, but the precise effect depends on how the quoted rate compounds. Do not assume that “bi-weekly” means twice per month; this calculator uses 26 payments per year.\u003c\/p\u003e\n\n    \u003ch3\u003eDefine the amount and term\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eLoan amount\u003c\/strong\u003e is the face amount requested before fees are deducted or added. It is required and must be positive. Borrowing more raises the payment and total interest almost proportionally when the rate and term stay unchanged. \u003cstrong\u003eLoan term\u003c\/strong\u003e is the contractual repayment horizon. You may enter years or months, and changing the unit converts the current value rather than merely relabeling it. A longer term normally lowers the periodic payment but increases total interest because the balance remains outstanding longer. A shorter term does the opposite.\u003c\/p\u003e\n    \u003cp\u003eWhen reviewing affordability, compare the payment with conservative operating cash flow rather than optimistic revenue. Also consider seasonality, taxes, payroll, inventory requirements, and existing debt service. The U.S. Small Business Administration describes major loan programs and eligibility considerations on its \u003ca href=\"https:\/\/www.sba.gov\/funding-programs\/loans\" target=\"_blank\" rel=\"noopener noreferrer\"\u003ebusiness loans overview\u003c\/a\u003e.\u003c\/p\u003e\n\n    \u003ch3\u003eModel fees according to their cash-flow treatment\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003ePrepaid fee\u003c\/strong\u003e is paid at closing and is not added to principal. It reduces the net funds available and raises APR, but it does not accrue interest. \u003cstrong\u003eLoaned fee\u003c\/strong\u003e is added to the financed balance. Because it remains outstanding, it raises both principal and interest. \u003cstrong\u003eOrigination fee\u003c\/strong\u003e is entered as a percentage of the face loan amount. The repayment choice determines whether it is deducted from proceeds, financed, or paid separately at closing.\u003c\/p\u003e\n    \u003cul\u003e\n      \u003cli\u003e\n\u003cstrong\u003eDeduct from loan proceeds:\u003c\/strong\u003e the financed balance excludes the origination fee, but the business receives less cash.\u003c\/li\u003e\n      \u003cli\u003e\n\u003cstrong\u003eAdd to financed balance:\u003c\/strong\u003e the business receives the face amount, while the fee is added to principal and accrues interest.\u003c\/li\u003e\n      \u003cli\u003e\n\u003cstrong\u003ePay separately at closing:\u003c\/strong\u003e the fee does not accrue interest, but it is an immediate cash outflow and increases the effective borrowing cost.\u003c\/li\u003e\n    \u003c\/ul\u003e\n    \u003cp\u003eA common mistake is to compare only nominal rates while ignoring fees. Another is to treat a financed fee as though it were paid upfront; that understates interest because the financed fee itself accrues interest. Request a lender’s complete fee schedule and confirm whether fees are refundable or charged again after refinancing.\u003c\/p\u003e\n\n    \u003ch3\u003eInterpret each result\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003ePeriodic payment\u003c\/strong\u003e is the scheduled installment at the selected frequency. A low payment is not automatically cheaper; it may reflect a longer term. \u003cstrong\u003eCash received\u003c\/strong\u003e is the amount disbursed after any origination deduction, before separately paid closing fees. \u003cstrong\u003eFinanced balance\u003c\/strong\u003e is the amount on which interest accrues, including loaned or financed fees. These two figures can differ materially.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eTotal interest\u003c\/strong\u003e is the sum of interest across the schedule. \u003cstrong\u003eTotal scheduled payments\u003c\/strong\u003e is the sum of all installments. \u003cstrong\u003eTotal finance charge\u003c\/strong\u003e measures the economic cost above net usable funds and includes interest plus applicable fees. A zero finance charge occurs only when the rate and all fees are zero. \u003cstrong\u003eCalculated APR\u003c\/strong\u003e annualizes the periodic internal rate of return implied by the net funds available and the payment stream. \u003cstrong\u003eEffective APR\u003c\/strong\u003e compounds that periodic rate over a year, so it is normally slightly higher than the nominal APR when there is more than one payment per year.\u003c\/p\u003e\n    \u003cp\u003eWhen both APR and interest rate are supplied, the calculator reports any gap between the entered APR and the APR implied by the listed fees. A positive unexplained fee estimate suggests that the advertised APR includes costs not entered above. A negative gap can indicate inconsistent assumptions, different payment timing, excluded charges, or a disclosure convention that does not match this model.\u003c\/p\u003e\n\n    \u003ch3\u003eRead the charts and schedule\u003c\/h3\u003e\n    \u003cp\u003eThe finance charge\ndonut separates interest, prepaid fees, loaned fees, and origination fees. The shares are based on the same model values shown in the table and Excel workbook. If every cost component is zero, the chart is replaced with an empty-state message rather than a decorative ring. The timeline plots remaining balance and cumulative interest. Early payments usually contain more interest because interest is calculated on a larger balance; later payments contain more principal.\u003c\/p\u003e\n    \u003cp\u003eThe amortization schedule shows the exact payment, principal reduction, interest expense, remaining balance, and cumulative interest for every period. The annual view aggregates payment rows into year-sized groups. Small differences from a lender statement can arise from day-count conventions, payment dates, rounding rules, or daily interest accrual. Review the promissory note for the controlling terms. The Federal Deposit Insurance Corporation’s \u003ca href=\"https:\/\/www.fdic.gov\/resources\/consumers\/money-smart\/teach-money-smart\/money-smart-for-small-business\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eMoney Smart for Small Business\u003c\/a\u003e materials provide broader financial-management education for business owners.\u003c\/p\u003e\n\n    \u003ch3\u003eUse scenarios rather than a single estimate\u003c\/h3\u003e\n    \u003cp\u003eTest a base case, a higher-rate case, and a shorter-term case. Observe whether the business can still cover payments when revenue is delayed or margins fall. Compare the reduction in payment from extending the term with the additional total interest. Also test each fee treatment because an offer that preserves cash at closing may create a higher financed balance. The exported Excel workbook records the current assumptions, outputs, cost breakdown, and full schedule so the scenario can be reviewed or compared with a lender proposal.\u003c\/p\u003e\n    \u003cp\u003eThis tool provides an educational estimate, not personalized financial, tax, or legal advice. Actual loan costs depend on contract language, lender methods, payment dates, compounding conventions, and applicable law.\u003c\/p\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909480620275,"sku":"business-loan","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/business-loan.webp?v=1783935375","url":"https:\/\/financialmodelslab.com\/products\/business-loan","provider":"Financial Models Lab","version":"1.0","type":"link"}