Business Loan EMI Calculator
Business loans need to be judged against cash flow, not just affordability in isolation, an EMI that looks manageable on paper can strain a business with seasonal revenue. Model a few scenarios before committing.
- Match the loan tenure to the useful life of what you're financing, don't take a 5 year loan for equipment that depreciates in 2.
- Unsecured business loans carry meaningfully higher rates than those backed by collateral or a bank guarantee, compare both routes.
- Stress test the EMI against your worst historical month of revenue, not your average month.
- Government schemes (like MUDRA or CGTMSE backed loans) can offer better terms than open market business loans, check eligibility first.
Rates commonly range from around 9% for secured, well collateralized loans to over 20% for unsecured working capital loans to newer businesses, your rate depends heavily on credit history, collateral, and business vintage.
Only if your cash flow genuinely needs the breathing room. A longer tenure increases total interest substantially, model both options with the sliders above before deciding.
This varies by lender and loan type, many working capital loans allow prepayment, but check for foreclosure charges, which can run 2 to 4% of the outstanding balance.
Prepayment Simulator
Drop a lumpsum or bump your monthly EMI. Watch interest and tenure shrink in real time.
Open →Loan Decision Engine
Enter every loan you have. We rank them by avalanche or snowball and tell you which to kill first.
Open →Debt Free Countdown
A live clock ticking down to the day your last EMI clears, years, days, hours, and seconds.
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