Business Financing calculators
Business financing is often quoted in ways that hide the true cost: factor rates, flat fees, holdbacks and “per 30 days” pricing. These calculators show equipment and SBA loan offers on the same yardstick — the annual percentage rate (APR) — so you can compare them side by side.
Each tool shows the cash you actually receive, the total you repay and the effective annual cost, along with the questions to ask before you sign.
Equipment and SBA loan calculators
Compare equipment loans with leases, estimate SBA 7(a) payments and fees, and choose between Section 179 and bonus depreciation.
Equipment Loan Calculator
Estimate monthly payments, total interest and year-one tax savings on equipment financing.
SBA Loan Calculator
Estimate SBA 7(a) loan payments, the guaranty fee and the true APR with fees.
Equipment Financing vs. Leasing: Which Costs Less for Your Business?
Equipment financing vs leasing: compare a loan, a $1 buyout lease and a fair market value lease on monthly cost, true APR, ownership and Section 179.
BusinessSection 179 vs. Bonus Depreciation: Writing Off Equipment in 2026
Section 179 vs bonus depreciation: both let a business deduct equipment in year one. See how they differ after the 2025 tax law and which one to use.
Which business financing calculator do you need?
- Buying equipment or vehicles? The equipment loan calculator estimates payments, APR and potential Section 179 tax savings.
- Applying for an SBA loan? The SBA loan calculator estimates 7(a) payments, the guaranty fee and the APR.
Always compare on APR
Business financing is priced in many ways — factor rates, per-30-day fees, holdbacks, points and interest rates. The only fair comparison is the annual percentage rate on the cash you actually receive, over the time you actually use it. A 1.3 factor rate repaid in six months, a 3% fee per 30 days and a 12% term loan can differ by a factor of ten in real cost. Before you sign, ask every provider for the total repayment amount, all fees and the expected term, then run the numbers here.