Calculadora de empréstimo para pequenas empresas

Make data-informed decisions for your small business's financial future with our free Business Loan Calculator. Determine your payback amount, total costs, and the annual percentage rate (APR). Use these insights to track your loan's actual cost and budget to grow your business.

To use the Business Loan Calculator, follow these steps:

1. Enter Your Information: Start by inputting the necessary information into the calculator. These include the loan amount, annual interest rate, and the loan’s term length. If you make additional monthly payments beyond the minimum amount, you can enter that in an optional field.

2. Calculate the Results: Once you enter the required information, click Calculate. The Business Loan Calculator will process the data and generate the results based on your inputs.

Understanding Your Results

Once the Business Loan Calculator generates your results, consider how that information may impact your financing needs. Here's some relevant terms:

Monthly Payment: This figure is the minimum amount you need to pay each month to adhere to the loan repayment schedule. It includes both the borrowed principal (initial) amount and the interest accrued.

Average Monthly Interest: The average monthly interest is the average amount of additional costs over the initial loan amount you agree to pay per month during the length of the loan.

Total Interest: This value represents the additional cost you’ll pay beyond the initial amount you borrowed.

Number of Years: The number of years refers to the loan’s term length. It indicates the time during which you are expected to make payments.

By understanding these key terms and what they mean for your loans, you can appreciate the financial implications of borrowing for your business.

Types of Business Loans

Business loans are vital for helping small businesses grow. Understanding your loan options will help you select one that will work for you. Here are the most common loans:

Term Loans: Borrow a fixed amount and repay it over time with fixed monthly payments. You’ll always know what you owe each month and can keep your expenses predictable. This is ideal for expansion, equipment, or working capital.

Equipment Financing: Secure funds specifically for purchasing or leasing equipment, use the purchased equipment as collateral.

Lines of Credit: Access a preset amount of funds. Similar to a credit card, you can use it as needed for a flexible source of immediate cash.

SBA Loans: Backed by the Small Business Administration, these loans have favorable terms and lower interest rates, but strict eligibility criteria.

There are many options for getting a small business loan. Traditional banks are a popular choice, offering competitive rates and flexible terms. There are a lot of them and since they’re established financial institutions, they can provide the stability and expertise you may want.

If you prefer a more community-oriented approach, credit unions are member-owned so they prioritize supporting local businesses. These institutions often have connections to the local market and can offer personalized service. Credit unions may also provide more flexible terms and lower fees compared to traditional banks.

Online lenders provide a convenient and streamlined experience, allowing you to access funds through their user-friendly platforms. These digital lenders have simplified the loan application process, often requiring less paperwork, and offering faster approval times. They are a great option if you prioritize speed and convenience in securing a small business loan.

To find the best loan for your small business, research and compare lenders. Evaluate their interest rates, terms, eligibility criteria, and the reputation of the lender. Taking into consideration this information, you can choose a lender and secure a loan that aligns with your business goals and financial needs.

When you apply for a small business loan, make sure your paperwork is in order. First, familiarize yourself with the lender’s loan requirements, such as credit scores, time in business, and revenue thresholds. Next, make sure you have the necessary paperwork, including your financial statements, business plans, and tax returns. And, before you sign, review your lender’s repayment terms, including interest rates, and monthly payments.

By understanding what entering into a loan agreement means for your business, you increase your chances of securing the funding you need to take your business to the next level. At Shopify, we offer a small business funding solution through Shopify Capital. With Shopify Capital, you can get funding without lengthy application processes. Payments are flexible and tailored to fit your business's cash flow.

Plan your financial future today. Calculate your loan, unlock growth opportunities, and pave the way for a prosperous future. With our Business Loan Calculator, you can embrace the power of financial planning and see your business thrive.