Calculator
Model the payment and the payback
Adjust the inputs to see your monthly payment, total cost of capital, and whether the return on the money clears what it costs.
$150,000
11.5%
36 months
8%
Estimate the incremental annual profit this capital will generate — for example, the added gross margin from new equipment or inventory.
Monthly payment
$4,946
- Total of payments
- $178,070
- Total interest (cost of capital)
- $28,070
- Principal
- $150,000
Return on borrowed capital
+5.3%
- Projected gross return over term
- $36,000
- Net gain after interest
- $7,930
Estimates only. Actual offers depend on underwriting.
Reading the output
Cost of capital is the number that matters
A lower rate on a longer term can still cost more in total dollars. Compare total interest against the return the capital produces, then pick the structure with the widest gap in your favor.
Turn the estimate into a real offer
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