What this loan calculator does

The Loan Calculator allows you to quickly estimate monthly loan payments based on three key inputs:

• Loan Amount – the total amount borrowed

• Interest Rate (APR) – the annual percentage rate charged by the lender

• Loan Term (Months) – how long the loan will be repaid

With these inputs, the calculator instantly shows your estimated monthly payment, helping you understand how the loan fits into your business cash flow.

Amortization table: Full transparency, month by month

One of the most valuable features of this tool is the amortization table.

Instead of showing just a payment number, the calculator breaks the loan down month by month, displaying:

• Each payment number

• How much of each payment goes to interest

• How much goes toward principal

• The remaining loan balance after every payment

This level of detail is especially useful for business owners who want to:

• See how quickly debt is paid down

• Understand why early payments are interest-heavy

• Plan for early payoff or refinancing strategies

Built for secured and unsecured business loans

This calculator is ideal for a wide range of business financing scenarios, including:

Secured loans

• Equipment financing

• Business vehicles

• Construction equipment

• Fleet purchases

• Etc

In secured loans, the asset itself helps reduce lender risk, often resulting in longer terms or better pricing.

Unsecured Loans

• Working capital loans

• Short- to mid-term business expansion financing

• Cash flow support

For unsecured loans, understanding the payment structure is even more critical, since interest rates may be higher and terms shorter.

Why this tool matters for business owners

Too often, loan decisions are made based only on whether a payment “looks affordable.” This calculator helps business owners move beyond guesswork by showing:

• The true monthly obligation

• The total interest cost over the life of the loan

• How debt impacts long-term cash flow

By using the amortization table, business owners can have more informed conversations with lenders, evaluate multiple loan options, and choose financing that aligns with their growth strategy.

A practical tool for better decisions

The Loan Calculator at Connecting Dots was built to support real-world business decisions, not just theoretical math. Whether you’re financing a single vehicle, expanding a fleet, purchasing equipment, or considering an unsecured term loan, this tool provides the clarity needed to move forward with confidence.

Understanding your loan structure before you sign is one of the smartest financial steps you can take, and this calculator helps you do exactly that.