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The detailed guide below is currently available in English.
What a business loan really costs
Two numbers drive the bill: the rate, charged on the balance every month, and the origination fee, taken once out of your proceeds. A 2% fee on a five-year loan adds roughly 0.4 percentage points a year to the true cost — less obvious on the payment, which is why the effective-cost line above adds the fee back into total interest. Short-term and online products often quote low "factor rates" that translate to much higher APRs, so compare annualized figures, not payment sizes.
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How long are typical business loan terms?
Bank term loans and SBA 7(a) loans commonly run 5–10 years for working capital and up to 25 for real estate; online short-term products run 3–24 months at far higher effective rates.
Is the origination fee refundable if I pay off early?
Usually not — it is earned at funding regardless of payoff speed. That makes the fee a bigger share of the cost on loans retired early, which the total-cost line here helps you see before signing.