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What business funding costs, by amount and structure
People search "business loan payment by amount" expecting one answer. There is none: the structure and the term move the payment far more than the amount does. These tables use stated, hypothetical assumptions so you can see the shape; your offers will differ.
Assumptions used below (hypothetical)
- Advance: 1.25 factor, 2% fee deducted, 26 weekly payments.
- Term loan: 12% APR, 3% origination fee, 36 monthly payments.
- Line of credit: 14% APR on the drawn balance, 2% draw fee, fully drawn for 6 months then repaid.
None of these are quotes. They are chosen to show how the structures behave.
Payment and total cost by amount
| Amount | Advance: weekly / total cost | Term loan: monthly / total cost (3 yrs) | Line: 6-month cost |
|---|---|---|---|
| $10,000 | $481 / $2,700 | $332 / $2,257 | $900 |
| $25,000 | $1,202 / $6,750 | $830 / $5,643 | $2,250 |
| $50,000 | $2,404 / $13,500 | $1,661 / $11,286 | $4,500 |
| $100,000 | $4,808 / $27,000 | $3,321 / $22,572 | $9,000 |
| $250,000 | $12,019 / $67,500 | $8,304 / $56,429 | $22,500 |
Illustrative arithmetic on the stated assumptions. The advance’s estimated nominal APR in this scenario is about 98% (same at every amount); the loan’s APR including the fee is somewhat above 12%.
What the table shows
- The advance’s weekly payment is large relative to the amount because the term is short; its total cost over six months is comparable to the loan’s over three years.
- The loan’s monthly payment is small because the term is long; total interest accumulates over years.
- The line costs the least in this scenario because it is used for only six months, which is exactly what lines are for.
The lesson is not "lines are cheapest". It is that the term should match the need, and that you should compare offers on total cost and payment fit, using the calculator, rather than on the headline number.
What Fast Mula is and isn't. Fast Mula helps you compare business-funding structures and submit one inquiry. Nothing on this site is an offer, approval, guaranteed rate, or guaranteed timeline. Any funding depends on a provider's own review, and terms vary by state.
Common questions
What is a typical business loan interest rate?
It depends on the lender type, your file, the term, and the market rate environment at the time; published ranges go stale quickly. Ask each lender for a written APR including fees and compare on that.
What is a business loan calculator for?
To turn amount, rate, fees, and term into a payment and total cost. Our calculator does this for factor-rate products and converts them to an estimated APR for comparison with loans.
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