Work out business loan emi instantly with clear inputs, formula shown and shareable results.
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.
All-in APR
Net proceeds = Σ EMI/(1+r)^t; APR = 12r
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.
You pay interest on the full sanctioned amount while only receiving the amount net of fees.
Interest on borrowing for business purposes is generally an allowable expense — confirm the treatment locally.