$250,000 Business Loan
Compare monthly payments across all loan types for a $250,000 business loan at current 2026 rates.
Monthly Payments for $250,000 Loan by Type
| Loan Type | Rate | Term | Monthly Payment | Total Interest | Total Cost | |
|---|---|---|---|---|---|---|
| SBA 7(a) Loan | 10.25% | 10 yrs | $3,338 | $150,617 | $400,617 | Details |
| SBA 504 Loan | 6.5% | 10 yrs | $2,839 | $90,644 | $340,644 | Details |
| Equipment Financing | 11.5% | 3 yrs | $8,244 | $46,784 | $296,784 | Details |
| Business Line of Credit | 17.5% | 1 yrs | $22,861 | $24,327 | $274,327 | Details |
| Merchant Cash Advance | 60% | 0.5 yrs | $49,254 | $45,526 | $295,526 | Details |
| Invoice Factoring | 24% | 0.25 yrs | $86,689 | $10,066 | $260,066 | Details |
| Commercial Real Estate Loan | 9.5% | 5 yrs | $5,250 | $65,028 | $315,028 | Details |
Can Your Business Afford a $250,000 Loan?
A $250,000 business loan is a common financing amount for growing businesses, suitable for equipment purchases, expansion, or working capital.
At the average SBA 7(a) rate of 10.25%, monthly payments on a $250,000 loan over 10 years would be approximately $3,338. To comfortably afford this, your business should generate at least $26,708 in monthly revenue.
