Business Loan Amortization Schedule Calculator
Monthly payment, origination fee cost, and a full amortization schedule for a business or commercial loan.
How the payment and fee are calculated
$250,000 at 9.5% for 7 years, 2% origination fee
A $250,000 loan at 9.5% over 7 years carries a monthly payment of roughly $4,050 and about $90,000 in total interest. A 2% origination fee ($5,000) is deducted up front, so the business nets $245,000 in usable proceeds while still repaying the full $250,000 principal — bringing the true total cost of capital to roughly $95,000.
Common questions
A loan origination fee is a one-time charge lenders deduct up front to cover underwriting costs — commonly 1–6% of the loan amount for commercial and SBA loans. It's typically subtracted from the amount you actually receive, not added to your balance, so a $250,000 loan with a 2% fee nets $245,000 in usable funds even though you still repay the full $250,000 plus interest.