ACH Loan Calculator

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How to Use The ACH Loan Calculator

Estimate Your Payments
Estimate How Much You May Qualify For
Terms and Explanation
How to Calculate Payments

Estimate Your Payments

To make the best use of this ACH loan calculator, you’ll need a few additional pieces of information. The calculator requires the following:

You will get the estimated daily payment, weekly payment, and total payment.

Estimate How Much You May Qualify For

You can also estimate how much you may qualify for if you take out an ACH loan. Once you fill out your information, the calculator will give you a range of dollar figures within which you may be able to borrow. This will give you an idea of the types of expenses you may cover and whether or not you might need to seek additional financing elsewhere. The inputs for this calculator include:

Business Start Date

This is the month and year your business officially started operations.

Annual Revenue

This refers to the total amount of money your business makes during a 12-month period.

Last Month’s Deposits

Last month’s deposits show how much money you deposited into your business bank account in the previous month.

Estimated Credit Score

This is where you select your business’ estimated credit score.

Terms and Explanation

Here are the essential pieces of information you’ll need to enter and notice as outputs on our SBA loan calculator.

Amount Seeking

This refers to the amount you’d like to borrow. In most cases, your business revenue will dictate how much you’ll receive.

Loan Term

Loan term is how long you’ll take to repay your loan. Since ACH loans are short-term loans, this may be anywhere from a month to a year or so.

Estimated Daily Repayment

Some lenders will automatically withdraw funds from your bank account on a daily basis until your loan has been paid off.

Estimated Weekly Repayment

Lenders may also automatically withdraw funds from your bank account every week until you repay your loan.

Total Repayment

Total repayment refers to the total amount you’ll pay for your ACH loan, including principal and interest. 

Estimated Monthly Payment

This is the amount you’ll owe your SBA-approved lender each month. It includes payment toward your principal, interest, and guarantee fee, if applicable.

Total Repayment

Total repayment tells you the total amount of money you will have paid over the life of your SBA loan.

How to Calculate Payments for SBA Loans

ACH loans provide quick access to capital, and, even if you don’t have stellar credit,they may still be able to provide you with the funding you need. Like other forms of financing, ACH loan payments are determined based on the loan amount, interest rate, term, and any other fees.

1. ACH Loan Repayment Schedule

As indicated in their name, ACH loans withdraw payments via ACH—or directly from your business bank account—on a daily or weekly basis. You’ll agree on the payment amount and intervals with the lender in advance, so there won’t be any surprises. Since lenders can easily access your account and collect repayments, ACH loans are a breeze to qualify for, even if you have fair credit or bad credit. 

2. ACH Loan Interest Rates and Terms

ACH loans offer lightning fast access to cash and are therefore designed for faster repayment, too. That being said, it’s misleading to look at ACH loans with a traditional APR because they’re not designed to be repaid over a years-long process. Instead, it makes more sense to calculate based on a daily or weekly payment. Typical loan terms for ACH loans range from one to 14 months.

3. Consider Potential Fees

At Lendio, we don’t charge an application fee for access to our network of 75+ lenders, but many other lenders do. If you’re shopping around, inquire about potential application fees before you apply.

You will also want to consider any potential origination fees, charges many lenders include upfront to cover the cost of funding a loan. Keep origination fees in mind to account for the total cost of the loan.


ACH stands for Automated Clearing House Network. Run by an organization called the National Automated Clearing House Association (NACHA), this network electronically moves money between bank accounts across the U.S. ACH is used for a variety of transactions, like paycheck deposits (which push money into accounts) and repayment debits for ACH loans (which push money out of accounts).


ACH payments are a way to transfer money into and out of bank accounts, without using cash, paper checks, credit cards, and wire transfers. These payments can easily move money in and out of accounts.


Since ACH loans are short-term loans that are easy to qualify for, interest rates are usually quite high. It’s not uncommon to find an ACH loan with a rate in the triple digits.

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