Business Line of Credit Calculator
Estimate payments and interest for a business line-of-credit draw using the balance, APR, and repayment period you choose.
Business lines of credit commonly range from 8–22% APR. This estimate models one draw as an amortizing balance; actual revolving facilities may require interest-only minimums, weekly payments, draw fees, or variable rates.
Estimates assume a fully amortizing loan with equal monthly payments and no fees, prepayments, balloon payment, or payment deferral. This is not an approval or financing offer.
How to use this business line of credit calculator
Enter the amount you plan to finance, an estimated annual percentage rate, and the repayment term. The calculator uses the standard amortization formula to estimate an equal monthly payment, total interest, and total repayment.
What the estimate does not include
Origination, packaging, closing, appraisal, documentation, guarantee, and other lender or third-party fees are excluded. Actual offers may also use a different payment frequency, a variable rate, an interest-only period, or a balloon payment. Compare the written payment schedule and total cost—not just the headline rate.
From estimate to a real offer
A calculator models the financing structure; underwriting determines whether that structure is available. Bay Street packages one application for 50+ funding partners so qualified businesses can compare actual amounts, terms, and payments.