Limevale Lending, a small-business funding broker in Trenton, New Jersey, offers a free loan payment calculator. Enter an amount, an annual rate and a term in months to see the monthly payment, total interest and total repaid. It is arithmetic for planning, not an offer. Partners set actual rates and terms.
What the calculator does
It computes a standard installment loan: equal monthly payments that pay off the amount over the term you choose. It returns three numbers: the monthly payment, the total interest, and the total repaid. It does not compute weekly or daily payments, fees, balloon payments or merchant cash advance costs.
- Amount: the sum you are thinking of borrowing.
- Annual rate: any rate you want to test. It is your assumption, not a quote.
- Term: the count of monthly payments you want to test.
What a cash flow loan is
"Cash flow loan" usually describes funding a partner bases mainly on the business's revenue and deposits rather than on specific collateral, used for the same purposes as working capital financing. Partners decide how a given product is structured.
Checking the arithmetic
To test the method only: a hypothetical $25,000 at an assumed 10 percent annual rate over 24 months gives a monthly payment of about $1,153.62, total interest of about $2,686.96 and a total repaid of about $27,686.96. These are illustrative figures, not typical or available terms.
Reading the three results
The monthly payment tells you whether the loan fits your budget. Total interest tells you what the money costs over the term. Total repaid is the figure to compare across options of different lengths, because a lower payment over a longer term can cost more in the end. Try the same amount at two or three terms and note how total interest changes.
What you still work out on paper
- Weekly payments: many short-term products collect weekly. The calculator shows monthly only; ask the partner for the weekly schedule.
- Fees: add any origination or other fees to the total repaid yourself.
- Will it fit? Compare the monthly payment with your leanest month's spare cash from bank statements, not your average month.
For stock-heavy businesses, the timing of sales against payments matters as much as the payment itself; see inventory financing for Mercer County distributors.
Using the result
If the payment fits, compare routes on the six-route page. If it does not, a longer term, a smaller amount or a different route may. The remaining guides live on the resources page.
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