Consolidation Loan Calculator

A business debt consolidation loan can help you reduce overall debt payments (loans, advances etc), combine multiple payments into one and also reduce overall time to repay debts. These types of loans are a great solution for freeing up cash flow, stabilizing the business and simplifying finances. Use our standard consolidation loan calculator to estimate your new payment.
Consolidated Amount
Interest Rate
Factor Rate
Repayment Term
Repayment Term
Repayment Term
Est. Payment
Minimum payment:
Time to Payoff:
Interest paid:

Time in Business

12 months+

Annual Revenue


Credit Score


Funding Amounts
$25,000 to $750,000
6.99% to 39.99% or 1.18 - 1.42 (factor rate)
12 months - 60 months
Processing Time
1 - 7 days
How to Calculate Your Consolidation Loan

How to Calculate Your Consolidation Loan

A consolidation loan allows your company to take out a new loan to pay off current business debt, including other loans and cash advances. It’s a great way to combine several liabilities into just one monthly/weekly payment to lower current payments. This method can free up cashflow and ease the pressure of multiple payments that are hard to pay.

Before applying for a consolidation loan, utilize the Lendzero Consolidation loan calculator to see your monthly/weekly payments. Insert the information below:

  • Consolidated amount: You may pay off as much as $750K and roll this into a new loan
  • Interest rate: Rates for consolidation loans provided by Lendzero’s partners begin at 6.99%.
  • Repayment term: Consolidation loan terms range from 1 year to 5 years
How to Use the Consolidation Loan Calculator?

How to Use the Consolidation Loan Calculator?

Use our Consolidation loan calculator to calculate the expenses of numerous types of consolidation loans. For example, you can use our calculator as a:

  • SBA loan calculator
  • Term loan calculator
  • Short term loan calculator

Sample of How to Utilize the Consolidation Loan Calculator

For example: Tom’s Bakery wants to consolidate a total of $250,000 in business debt.

  • $100,000 cash advance @ $2,758 weekly payment
  • $150,000 line of credit @ $3,201 weekly payment
  • Total payments: $5,959

Plus he wants to take $50,000 of additional cash out.

Toms new loan amount would be $100,000 + $150,000 + $50,000 = $300,000

By entering Tom’s $300,000 Consolidated Amount, 8% interest rate and 2 year repayment term into the Consolidation loan calculator, we can see Tom would need to pay $3,151 /month for 2 years. This would cut Tom's payment in half easing the financial burden while also providing the much needed cash out to cover other business expenses.

Components of the Consolidation Loan Calculator

Components of the Consolidation Loan Calculator

The Consolidation loan calculator will show you the exact amount you’ll need to repay each month/week in both interest and principal. 

To be clear, definitions are below.

  • Consolidated Amount: New loan amount which includes the paid off debt plus any cash out
  • Interest rate: Proportion of the loan that is charged as interest to you. It is shown as an annual percent of the outstanding debt.
  • Repayment term: Amount of time the debt will be outstanding. The loan may be fully amortized or partially amortized in which case there will be a balloon payment at the end of the repayment term.

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