Business Loan Calculator
Updated July 2026
Model the EMI and total cost of a business loan. Unlike personal borrowing, interest on a business loan is generally deductible as a business expense — which changes the effective cost meaningfully.
Business Loan
Frequently Asked Questions
Is business loan interest deductible?
Generally yes — interest is normally allowable as a business expense, which lowers the effective cost. The principal repayment is not deductible.
What is a working capital loan?
Short-term borrowing for day-to-day operations — inventory, salaries, receivables gaps — rather than for buying long-term assets.
What schemes exist for MSMEs?
Several government-backed options exist, including collateral-free credit guarantee schemes. Terms change; check the current scheme rules with your lender.