Estimate monthly payments, total interest, and the true cost of a small-business loan. Updates as you type.
SBA 7(a): 10–13% • SBA Microloan: 8–13% • Bank: 7–10% • LOC: 8–14% • Credit card: 18–24%
Run the math three ways before signing anything: (1) the loan amount you actually need (build a 12-month cash flow first), (2) a stress test 25% above that amount in case revenue is slower than expected, and (3) the same amount at a 2-point higher rate to see what a market shift would do to your payment. If any of those scenarios would force you to default, the loan is too aggressive.
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