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# Business Loan Payment Calculator with Eye-Opening Sales Revenue Feature

Calculator Preferences

This calculator will calculate the periodic payment needed to repay the principal and interest of a small business loan -- within the desired time frame and based on the preferred payment interval. Plus, the calculator will even estimate how much sales revenue your business will need to generate in order to repay the loan with interest. The Learn tab includes 3 Important Small Business Lessons that I have learned during my 30+ years of owning my own businesses.

#### Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None

#### Starting a small business loan amount:

Enter the amount of the business loan, otherwise referred to as the Principal. Enter as a dollar amount, but without the dollar sign and any commas.

Loan rate:Loan interest rate:Small business loan interest rate:Small business loan interest rate:

#### Small business loan interest rate:

Enter the annual interest rate you will be charged for the business loan -- which is typically much higher than the going mortgage rate due to the added risk being taken on by the lending institution. Enter as a percentage but without the percent sign (for .08 or 8%, enter 8).

Loan years:Number of years:Number of years to repay loan:Number of years to repay loan:

#### Number of years to repay loan:

Enter the number of years the payment will be based on (typically 30 years).

 Number of years to repay loan
Pmt freq:Payment frequency:Loan payment frequency:Loan payment frequency:

#### Loan payment frequency:

Select the payment frequency you would like to use for repaying the business loan. Generally speaking, the longer the interval between payments, the more you will pay in interest charges.

Date of first payment:

#### Date of first payment:

Select the month, day, and year you plan to make your first loan payment. The calculator will use this date to create a payment schedule should you choose to have it included in the results.

 First payment month First payment day First payment year
Profit margin:AT profit margin:Anticipated after-tax profit margin:Anticipated after-tax profit margin:

#### Anticipated after-tax profit margin:

If you would like to see how much sales your business will need to generate just to repay the business loan and pay the interest charges, enter your anticipated before-tax, before debt-retirement profit margin percentage here. Enter as a percentage but without the percent sign (for .10 or 10%, enter 10).

 Anticipated after-tax profit margin
Schedule?Incl schedule?Include payment schedule?Include payment schedule?

#### Include payment schedule?

If you would like the results to include a loan payment schedule, slide the button to the "Yes" position.

Pmt amt:Payment amount:Loan payment amount:Loan payment amount:

#### Loan payment amount:

Based on your entries, this is how much your business loan payment will be for each interval you selected.

Interest cost:Interest cost:Loan interest cost:Loan interest cost:

#### Loan interest cost:

Based on your entries, this is how much interest you will pay on your small business loan between now and when you make your final payment.

Sales need:Sales needed:Sales needed to repay loan with interest:Sales needed to repay loan with interest:

#### Sales needed to repay loan with interest:

Based on your entries, this how much sales revenue your business will need to generate in order to repay the business loan and the interest charges.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated

Tip

Help and Tools

#### Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.

#### Favorites

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".