Borrow with the numbers on your side
Most small-business owners take a loan by looking at the monthly payment a bank offers and asking whether they can afford it. That single number hides an enormous amount — the total interest you will pay over the tenure, the amortization schedule that decides how much of each payment builds equity versus disappears as interest, your true debt-to-income ratio, and whether the return on what you're borrowing for actually beats the loan cost. This library exists so you can answer every one of those questions in under a minute, before you sign.
Monthly payment is only the start
The Business Loan Calculator gives you the monthly payment for any amount, rate and term — and shows the principal versus interest split. But that number alone isn't a decision. Run the amortization schedule to see exactly how much interest you'll pay in each of the first twelve months (spoiler: most of it), then use the Refinance Calculator to see whether switching lenders down the line would actually save money after fees.
Know what a lender will see
Before applying, run the DTI, Working Capital and Loan Eligibility calculators. Together they mirror the three checks every underwriter performs — how much of your income is already committed, how much liquidity your business has, and how much loan a typical debt-to-income rule actually allows. Fix any red flags before you submit the application, not after it's declined.
Borrowing to invest? Prove it works first
The Loan ROI Calculator answers the single most important question about any loan-funded initiative: does the expected return actually beat the cost of the money you're borrowing? A positive net ROI justifies the loan; a negative one is a warning to renegotiate the rate, shorten the term, or walk away.
Simple vs compound — the difference matters
Short-term working-capital lines and most invoice-financing arrangements use simple interest. Fixed deposits, credit-card balances and most long-term investments use compound interest. Running the same principal and rate through both calculators over five or ten years is often eye-opening — and is exactly why the credit-card balance you're slow-paying feels like it never shrinks.
How to use this silo
If you're evaluating a new loan, start with the Business Loan Calculator and amortization schedule. If you're planning to apply, run DTI, Working Capital and Eligibility. If you already have a loan, use Refinance and the Loan ROI Calculator to see whether it still makes sense. Everything below is free, instant and runs entirely in your browser.