Your monthly commitment
The amount to set aside each month, covering both interest and part of your loan balance.
PLAN YOUR CAPITAL
Business term loan calculator.
Find a payment that fits your plans. See the cost before you compare offers.
WESTWIND CAPITALMonthly paymentOver 36 months · fixed rate
Financing costTotal interest + lender fees
Total paidPayments + any fee paid separately
Loan balance over time
Explore how your financing changes over time.
Months since funding · Balances shown every 3 months and at the end of the projection.
Where your money goes
Total in USD- Capital received
- $100,000.00
- Total interest
- $19,571.51
- Lender fee
- $0.00
83.6% of your total paid is capital received. No lender fee included.
Repayment schedule
Monthly payments in USD. Interest is rounded to cents; the final payment clears the remaining balance. Any separately paid fee is excluded.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $3,321.43 | $2,321.43 | $1,000.00 | $97,678.57 |
| 2 | $3,321.43 | $2,344.64 | $976.79 | $95,333.93 |
| 3 | $3,321.43 | $2,368.09 | $953.34 | $92,965.84 |
| 4 | $3,321.43 | $2,391.77 | $929.66 | $90,574.07 |
| 5 | $3,321.43 | $2,415.69 | $905.74 | $88,158.38 |
| 6 | $3,321.43 | $2,439.85 | $881.58 | $85,718.53 |
| 7 | $3,321.43 | $2,464.24 | $857.19 | $83,254.29 |
| 8 | $3,321.43 | $2,488.89 | $832.54 | $80,765.40 |
| 9 | $3,321.43 | $2,513.78 | $807.65 | $78,251.62 |
| 10 | $3,321.43 | $2,538.91 | $782.52 | $75,712.71 |
| 11 | $3,321.43 | $2,564.30 | $757.13 | $73,148.41 |
| 12 | $3,321.43 | $2,589.95 | $731.48 | $70,558.46 |
| Full projection | $119,571.51 | $100,000.00 | $19,571.51 | $0.00 |
Month 1–12 of 36
Put your plan into motion.
Explore funding that fits your business.
Illustrative estimate, not an offer. Actual terms depend on your business and lender.
Assumes a fixed interest rate, monthly payments starting one month after funding, and no early repayments. The final payment may vary slightly due to rounding. Input ranges are for planning, not eligibility.
The full financing cost
Interest and any lender fee you enter, shown separately from the capital your business receives.
The right repayment pace
Adjust the term to see how a smaller monthly payment changes the total cost over time.
YOUR QUESTIONS, ANSWERED
A little more
clarity.
Get to know the assumptions behind your estimate.
How is my monthly payment calculated?
We spread the loan balance and interest over the term you choose. Interest is calculated each month on the remaining balance, using the annual interest rate divided by 12. Each payment covers interest and pays down the balance. At 0% interest, the balance is divided by the number of months.
Is the interest rate the same as APR?
No. The interest rate is the rate charged on your outstanding balance. APR can also account for certain fees and the timing of payments. This calculator uses the annual interest rate you enter and shows lender fees separately; it does not calculate a regulated APR. Ask your advisor to compare the full cost of actual offers.
How do lender fees affect the estimate?
Open “Include lender fees” to enter a one-time fee as a percentage of the loan amount. A deducted fee reduces the cash you receive. A fee paid separately adds an upfront cost. A financed fee increases the loan balance and the interest you pay. These are lender fees; the calculator does not add a Westwind retainer or upfront advisory fee.
What happens if I choose a longer term?
For the same amount and positive interest rate, a longer term generally lowers your monthly payment and increases total interest. Try a few terms to see the trade-off, then compare it with your business’s cash flow.
Is this a funding offer?
No. It is a planning estimate based on the numbers you enter, not live lender pricing or an eligibility decision. Actual rates, fees, payment dates and available products depend on the lender, your business and the market. No credit check is performed by using this calculator.
Does this cover every type of term loan?
This version covers fixed-rate loans with monthly principal-and-interest payments and no final balloon. It does not model variable rates, daily or weekly payments, interest-only periods, early repayment charges or fixed-factor pricing. Your advisor can review those structures with you.