Loan Calculators

Business Loan Calculator

Calculate EMI and interest for a business loan to fund expansion, equipment or working capital.

About the calculator

What is the Business Loan Calculator?

The Business Loan Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • EMI
    EMI = P × r × (1 + r)ⁿ / ((1 + r)ⁿ − 1)
  • Total Interest
    Interest = (EMI × n) − P

Why use the Business Loan Calculator?

Financial planning works only when it's specific. The Business Loan Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

12–18% for SMEs; 9–11% for secured/term loans.
Sometimes — unsecured options exist for established businesses.
Interest is fully deductible as a business expense.
Vintage of 1–3 years, GST returns, ITR, and good bank statements.
Working capital is short-term revolving credit; term loan is for fixed assets.
Yes — NBFCs typically have quicker disbursal but at slightly higher rates.

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