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Business Loan EMI Calculator

Work out business loan emi instantly with clear inputs, formula shown and shareable results.

About Business Loan EMI Calculator

A business term loan amortises like any other, but the processing fee is deducted upfront so you receive less than you repay on. Solving the rate on net proceeds against the instalment stream gives the all-in APR that should be used for comparison.

Formula

All-in APR

Net proceeds = Σ EMI/(1+r)^t; APR = 12r

Worked example

With the default values below, Business Loan EMI Calculator returns Monthly EMI of $113,765.37. Change any input above and every figure here is recalculated in your browser.

Inputs used

Loan Amountminimum 0
5,000,000
Annual Interest Rateaccepts 0–100 %
13 %
Tenure In Yearsaccepts 1–15
5
Processing Feeaccepts 0–5 %
1.5 %

Results

Monthly EMI
$113,765.37
Total Interest
$1,825,921.91
Processing Fee
$75,000.00
All-In APR Including Fee
13.674%

Step by step

  1. 1Values used
  2. 2All-in APR
  3. 3Monthly EMI= 113,765.37
  4. 4Total Interest= 1,825,921.91
  5. 5Processing Fee= 75,000.00
  6. 6All-In APR Including Fee= 13.674

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or tax into account.
  • Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.

Frequently Asked Questions

Why does the fee raise the effective rate?

You pay interest on the full sanctioned amount while only receiving the amount net of fees.

Is a business loan interest deductible?

Interest on borrowing for business purposes is generally an allowable expense — confirm the treatment locally.

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