Business Line of Credit Calculator
Last updated: October 15, 2026
Estimate payments and financing cost for a business line-of-credit draw.
Estimated monthly payment
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- Estimated interest: —
- Estimated fees: —
- Total financing cost: —
- Total amount paid: —
On this page
Quick summary: Estimate payments and financing cost for a business line-of-credit draw.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate payments and financing cost for a business line-of-credit draw.
How to use it
Enter Credit line amount used ($); Annual interest rate (%); Repayment period (months); Draw fee (%); Annual account fee ($). Select Calculate to update the results.
How the calculation works
The draw is modeled as a fixed-payment balance for the selected months. Draw and annual fees are added separately to the projected interest.
Worked example: starting scenario
| Credit line amount used ($) | 75000 |
|---|---|
| Annual interest rate (%) | 12 |
| Repayment period (months) | 24 |
| Draw fee (%) | 1 |
| Annual account fee ($) | 500 |
| Estimated monthly payment | $3,530.51 |
|---|---|
| Estimated interest | $9,732.25 |
| Estimated fees | $1,750.00 |
| Total financing cost | $11,482.25 |
| Total amount paid | $86,482.25 |
Important limitations
Many lines of credit use interest-only minimums, variable rates, renewal fees and daily-balance calculations rather than a fixed amortization schedule.