$100,000 Business Loan
Compare monthly payments across all loan types for a $100,000 business loan at current 2026 rates.
Monthly Payments for $100,000 Loan by Type
| Loan Type | Rate | Term | Monthly Payment | Total Interest | Total Cost | |
|---|---|---|---|---|---|---|
| SBA 7(a) Loan | 10.25% | 10 yrs | $1,335 | $60,247 | $160,247 | Details |
| SBA 504 Loan | 6.5% | 10 yrs | $1,135 | $36,258 | $136,258 | Details |
| Equipment Financing | 11.5% | 3 yrs | $3,298 | $18,714 | $118,714 | Details |
| Business Line of Credit | 17.5% | 1 yrs | $9,144 | $9,731 | $109,731 | Details |
| Merchant Cash Advance | 60% | 0.5 yrs | $19,702 | $18,210 | $118,210 | Details |
| Invoice Factoring | 24% | 0.25 yrs | $34,675 | $4,026 | $104,026 | Details |
| Commercial Real Estate Loan | 9.5% | 5 yrs | $2,100 | $26,011 | $126,011 | Details |
Can Your Business Afford a $100,000 Loan?
A $100,000 business loan is an accessible loan amount for small businesses, often available through SBA microloans, online lenders, and community banks.
At the average SBA 7(a) rate of 10.25%, monthly payments on a $100,000 loan over 10 years would be approximately $1,335. To comfortably afford this, your business should generate at least $10,683 in monthly revenue.
