SmartBizCalc

Business Line of Credit Calculator

See the true cost of your credit line — monthly payment, total interest, and effective cost per dollar borrowed — before you draw.

Credit Line Details

Credit Limit ($)

Draw Amount ($)

Annual Interest Rate (%)

Repayment Period (months)

Fees

Annual Fee ($)

Draw Fee (%)

True Cost Breakdown

Draw Amount—

Monthly Payment—

Total Interest Paid—

Draw Fee (one-time)—

Annual Fee (pro-rated)—

Total Cost of Borrowing—

Utilization & Availability

Utilization Rate—

Remaining Available Credit—

Effective Cost per $1 Borrowed—

Calculations assume a simple amortizing draw. Actual revolving balances and variable rates will differ. Always review your credit agreement for exact fee structure.

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