Short-Term Loans Calculator
Estimate your short-term loan payments and see how much funding your business could qualify for. Adjust the inputs to match your situation and get instant results.
Estimate Your Funding
How long have you been in business?
Your Estimated Results
You could qualify for up to
$25,000
Est. Monthly Payment
$4,167/mo
Est. Repayment Term
6 to 9 months
This calculator provides estimates only and does not represent a loan offer or guarantee of financing. Actual terms, rates, and qualification amounts are determined by the underwriter after application review.
How This Calculator Works
This calculator estimates costs for short-term business loans. If you need ongoing access to capital, a business line of credit may be a better fit. Explore all of our free funding calculators for more options.
What It Means for Your Business
Real World Scenarios
See how businesses like yours use the calculator to plan their funding
Seasonal Inventory Purchase
A clothing boutique with $25,000 in monthly revenue uses a short-term loan of $15,000 to stock up before the back-to-school season, repaying over 6 months. See how retail business funding can help.
Emergency Equipment Repair
A food truck owner with $18,000 in monthly revenue takes a $10,000 short-term loan to repair a critical piece of kitchen equipment and get back to serving customers within days. Learn about restaurant business funding.
Payroll Bridge
A staffing agency with $50,000 in monthly revenue uses a $30,000 short-term loan to cover payroll while waiting on outstanding invoices from clients. An invoice factoring solution could also help in this scenario.
Marketing Campaign
A dental practice with $35,000 in monthly revenue takes a $20,000 short-term loan to fund a local advertising campaign and attract new patients. Explore healthcare business funding.
Frequently Asked Questions About
Short-Term Loans Calculator
A short-term business loan is a financing option with a repayment period typically ranging from 3 to 18 months. These loans are designed for immediate capital needs such as inventory purchases, equipment repairs, payroll gaps, or marketing campaigns. They offer faster approval and funding compared to traditional long-term loans. Some businesses also consider a merchant cash advance as an alternative.
Take the Next Step
Now that you have crunched the numbers, take the next step. Apply in minutes and get a decision in as little as 24 hours.