$100,000 Business Loan Calculator: Monthly Payment
See the real monthly payment on a $100,000 business loan, how much interest you pay over the full term, and what the loan actually costs after origination fees.
Your loan
Bank 8.5–14% · SBA 10–13% · Online 14–25%
Typically 36–84 months at this size
Your payment
Monthly payment on a $100,000 business loan by rate and term
Payments below are principal + interest on $100,000, before origination fees.
| Term | 8% APR | 12% APR | 18% APR |
|---|---|---|---|
| 12 months | $8,699/mo | $8,885/mo | $9,168/mo |
| 24 months | $4,523/mo | $4,707/mo | $4,992/mo |
| 36 months | $3,134/mo | $3,321/mo | $3,615/mo |
| 48 months | $2,441/mo | $2,633/mo | $2,937/mo |
| 60 months | $2,028/mo | $2,224/mo | $2,539/mo |
What it takes to qualify for $100,000
Lenders size loans off cash flow, not wishful thinking: most cap the total annual debt service at roughly 10–15% of annual revenue and want a DSCR of 1.25 or better once the new payment is included. Run your number before you apply — it's the same math the underwriter runs.
Frequently asked questions
What is the monthly payment on a $100,000 business loan?
At 12% APR over 48 months, a $100,000 business loan costs about $2,633 per month and roughly $26,402 in total interest. Shorter terms raise the monthly payment but cut total interest sharply; a longer term does the opposite.
What credit score do I need for a $100,000 business loan?
Most lenders want 660+ for a $100,000 loan, along with about $400,000+ in annual revenue and 2+ years in business. Revenue-based options and merchant cash advances can go lower on credit, but cost materially more.
How much revenue do I need to borrow $100,000?
As a rule of thumb, lenders keep total annual debt payments under 10–15% of annual revenue and want a DSCR of 1.25 or better after the new loan. For $100,000 at 12% over 48 months, that points to roughly $400,000+ in annual revenue.
Can I get a $100,000 business loan fast?
Online lenders and revenue-based funders can fund $100,000 in 1–3 business days off bank statements. Bank term loans take 2–4 weeks and SBA loans 30–90 days, but price 5–15 points cheaper. If speed matters more than rate, compare both before signing.
What does a $100,000 loan really cost after fees?
Add the origination fee to interest. A 2% origination fee on $100,000 is $2,000, so you net $98,000 but repay interest on the full $100,000. Total cost of capital at 12% over 48 months is about $28,402.
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