Business

Calculate Business Loan Payments

Built by Kevin Glover · @gloverbuilds · Verified formula

Estimate monthly payments for SBA loans, term loans, and business lines of credit.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

Business Loan Options
Qualifying for a Business Loan

Optionen in Deutschland

KfW-Gruenderkredit: 1-3% (subventioniert). Hausbank: 3-6%. Online-Kreditgeber: 5-12%. Kontokorrentkredit: 8-15% (teuer, nur kurzfristig). Fuer 100.000 € KfW bei 2%, 7 Jahre: ~1.270 €/Monat. KfW ist IMMER die erste Anlaufstelle fuer Unternehmensfinanzierung.

Foerderungen

KfW-Gruenderkredit ERP: bis 125.000 €. KfW-Unternehmerkredit: bis 25 Mio €. Buergschaftsbank: wenn Sicherheiten fehlen. EXIST-Gruenderstipendium: 1.000-3.000 €/Monat fuer 1 Jahr. Beantragung immer VOR Investition — nachtraeglich nicht moeglich!

⚡ CalcWolf Insight

The SBA 7(a) loan program is the single best financing option for small businesses — rates 2-3% below commercial loans with terms 2-3x longer. The catch: processing takes 30-90 days and requires extensive documentation. Start the application process 3-6 months before you need the funds.

Frequently asked questions

Beste Konditionen?▾

KfW-Kredit ueber die Hausbank: 1-3%. Immer zuerst pruefen.

Kann ich ohne Sicherheiten finanzieren?▾

Ja — Buergschaftsbank springt ein. KfW-Gruenderkredit: bis 80% Haftungsfreistellung.

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Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →