Calculator
Working Capital Loan Calculator
Estimate payments for a working capital loan and see how the monthly cost fits against your business revenue.
Working capital loans typically range 8–25%
months (custom, up to 60)
Used to calculate payment-to-revenue ratio
Estimated Payment Breakdown
Monthly Payment
$4,442.44
per month for 12 months
Total Interest
$3,309
Total Cost
$53,309
Payment-to-Revenue Ratio
17.8% of monthly revenue
Manageable — some lenders may want to see strong cash flow
Free, no obligation
What to know about working capital loans
Working capital loans are designed for short-term operational needs: covering payroll, inventory, rent, or seasonal cash flow gaps. Terms are typically 6–36 months with higher rates than long-term equipment or real estate loans — reflecting the shorter repayment window and often lighter collateral requirements.
Lenders typically look for a payment-to-revenue ratio below 15–20%. If your monthly payment would exceed that, consider extending the term, reducing the loan amount, or exploring a line of credit for more flexible access.
Note: some working capital products (MCAs, revenue-based loans) use daily payments or factor rates rather than monthly amortization. Use the APR Comparison Calculator to compare those offers on an equal basis.