Type in a dollar amount, a yearly rate and a count of months. The calculator returns a level monthly payment and the total interest. It does not include fees, and its result is arithmetic, not an offer.
Working capital loan calculator for quick-service restaurants in Yolo County, CA
Three entries drive the calculator on this page: a dollar amount, an interest rate stated per year in percent, and a term counted in months. From them it works out one level monthly payment, the same every month, and the total interest paid over the term.
Read the two results together. The payment is what leaves the business account each month. The total interest is the price of the money over the whole term, and it is the better number for comparing two offers of the same size. To compare offers, enter each one's amount, rate and term in turn, write the results side by side, then add each offer's fees by hand, since the calculator has no fee input.
A counter-service kitchen weighing an 18-month loan for payroll and supplies can try a few terms in a minute. In Yolo County, CA, 173 limited-service restaurants employed 3,222 people in the 2023 pay period (CBP, NAICS 722513), and a level payment is one fixed amount to plan around.
Working capital calculator online: how it works for Woodland, CA auto repair shops
Each payment covers that month's interest on the balance, and the rest pays down principal. The calculator solves for the one payment that clears the balance in exactly the number of months entered. All the arithmetic happens inside the browser window; no figure entered leaves the device.
| Input or result | Value |
|---|---|
| Amount | $30,000 |
| Rate (annual %) | 11.5% |
| Term | 18 months |
| Monthly payment, rounded | $1,822.50 |
| Total repaid (rounded payment x months) | $32,805.00 |
| Total interest | $2,805.00 |
The calculator works from the unrounded payment, so its total interest can differ from a hand-worked table like this one by a few cents. Yolo County, CA counted 130 auto repair and maintenance establishments in 2023 (CBP, NAICS 8111), 68 of them with fewer than five employees.
Separately, 2024 Nonemployer Statistics listed 164 automotive repair and maintenance businesses in the county with no paid employees.
Bank-style working capital loan calculator for sit-down restaurants in Yolo County, CA
This is a bank-style calculator: amortized, level payments, with interest charged on the falling balance. The useful test is to hold the amount and rate steady and change only the term.
| Term | Monthly payment | Total interest |
|---|---|---|
| 12 months | $3,961.45 | $2,537.40 |
| 24 months | $2,081.72 | $4,961.28 |
The longer term lowers the payment by $1,879.73 a month and adds $2,423.88 of interest (our arithmetic, from the rounded payments). For one of the 136 full-service restaurants in Yolo County, CA (CBP 2023), that is the trade between a lighter month and a cheaper loan.
Small-business working capital loan calculator for Yolo County, CA sit-down restaurants
Rate moves the result too. Two invented rates on the same balance show by how much. The calculator assumes one payment a month; an offer paid weekly or daily has to be worked by hand, or its schedule asked of the partner.
| Rate (annual %) | Monthly payment | Total interest |
|---|---|---|
| 9% | $1,749.03 | $988.36 |
| 13% | $1,786.35 | $1,436.20 |
The calculator does not add fees, does not work out interest-only periods or draws on a credit line, and does not price a merchant cash advance. Fees from an offer belong in the comparison too, so read the total cost of any offer. For what a working capital loan can pay for, see the working capital loans page.
By Timbershore Lending Group ยท Updated