Working Capital Loan Calculator
Estimate a practical borrowing range from operating expenses and runway goals, then review payment impact before you approach lenders.
Working Capital Loan Calculator
Estimate a borrowing target based on runway and see payment impact using a typical SBA-style rate scenario.
Recommended Borrowing
$180,000
Estimated Monthly Payment
$2,429
Estimated Total Interest
$111,460
Estimated Total Repayment
$291,460
How to use this calculator
- Enter monthly operating expenses: Include payroll, rent, inventory replenishment, and essentials.
- Choose runway months: Start with 3–6 months, then adjust for seasonality.
- Review recommended amount and payment: Confirm the payment remains comfortable in slower months.
Frequently Asked Questions
How many months of expenses should I hold?
Many owners start with a 3–6 month operating expense baseline, then adjust for seasonality, customer concentration, and growth plans.
Is working capital the same as a cash cushion?
Related, but not identical. Working capital funds the timing gap between paying to operate and collecting revenue — not just a rainy-day balance.
Can I borrow more than the calculator suggests?
You can request more, but overborrowing increases interest and covenant pressure. Size to need and repayment capacity.