Working Capital Loan Calculator

See the cost of short-term working capital.

How to use

  1. Enter your values in the fields above.
  2. Press Calculate to see your result instantly.
  3. Use the Share button to copy a link to your result.

About this calculator

A working capital loan is short-term financing businesses use to bridge a gap in cash flow — covering payroll, buying inventory ahead of a busy season, or getting through a slow month — rather than funding a long-term asset. These loans are commonly structured with simple interest: interest = principal × rate × time, calculated once over the loan's short term rather than compounding.

Because the loan is short-term, even a modest-looking interest rate can translate into a meaningful cost once fees are added in, so business owners need to see the real total before committing. This calculator takes the loan amount, interest rate, and term and returns the total interest cost and repayment amount, making it easier to compare offers from different lenders or weigh a loan against other short-term financing options.

Was this helpful?

Comments (0)

  • Be the first to comment.

Popular calculators

All Calculators