Business Loan Calculator

An SBA 7(a) loan is the most common type of SBA loan. It's flexible and can be used for various business purposes, including working capital, equipment, and real estate. FinGuid's calculator helps model this with typical rates (Prime + spread) and terms (up to 10 years for working capital, 25 for real estate).

To calculate ROI (Return on Investment), you divide the net profit from the loan by the total cost of the loan. Our AI analyzer does this for you by taking your estimated new revenue and costs, giving you a clear percentage of your projected return.

A 504 loan is typically used for major fixed assets like real estate or large equipment, with a long-term, fixed-rate. A 7(a) loan is more flexible and commonly used for working capital, inventory, or business acquisition, often with variable rates tied to the Prime Rate.

Cash flow analysis is the process of examining your business's incoming revenue versus its outgoing expenses (like your loan payment). Our "Cash Flow" chart projects your cumulative cash position *after* paying your loan each month, helping you see if you'll have enough operating capital.

The Prime Rate (as published by the Wall Street Journal) is a benchmark used by banks to set rates for business loans. This calculator fetches the live Prime Rate from the Federal Reserve (FRED) to give you the most accurate estimate for variable-rate loans.

Our AI goes beyond a simple payment calculation. It analyzes your inputs to provide actionable insights, such as whether your projected ROI justifies the loan's cost, if you have a potential cash flow shortfall, or if a different loan type (like an SBA loan) might be a better fit. It's like having a virtual CFO.