Check if a business loan payment fits your monthly cash flow.
Standard amortization produces the payment, and it is compared proportionally against leftover cash flow. A payment that looks fine in isolation can crush a tight monthly budget, so the ratio protects you.
Business Loan Affordability
PMT = P x r / (1 - (1+r)^-n); share = payment / free cash flow
PMT = P x r / (1 - (1+r)^-n); share = payment / free cash flow Standard amortization produces the payment, and it is compared proportionally against leftover cash flow.
A payment that looks fine in isolation can crush a tight monthly budget, so the ratio protects you.
This calculator takes 5 inputs: Loan amount, Interest rate, Term (years), Monthly revenue, Monthly expenses. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.