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Business Loan Calculator

Calculate the costs and payments of your business loan.

Welcome to IFSCapital. 

Secure the capital you need to expand, innovate, and lead. Simple application, quick decisions, and flexible terms designed for small business owners.

Fast-Track Your Business Growth with Tailored Financing Solutions

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Welcome to IFSCapital. 

Discover a world of tailored, fast funding solutions designed to propel your business forward. With our commitment to rapid approvals and innovative finance strategies, we're not just your lender - we're your partner in success.

​Fast Funding,
Fast Growth.

Speedy Application

10-minute process, rapid funding.

Proven Impact

$15B in business growth funding.

Trusted Excellence

A+ BBB rating for superior service.

Innovative Financing That Fits Your Needs

Speedy Application

10-minute application, rapid funding.

Proven Impact

Over $10B in Funding Provided to Small Business Owners

Trusted Excellence

A+ BBB rating for superior service.

Our Fundamental Requirements

1 Year

in business

600

personal FICO® score

$100K

annual revenue

Business

Checking Account

Select a Type of Loan for Tailored Financing

Loan Center

Line of Credit

Access Funds Anytime

with Our 24/7 Credit Line.

Term Loans

3-10 Year Terms Available

Custom Programs

Creative Financing Programs Designed for Your Specific Needs

SBA Loans

7A, 504, BOLT Programs Available

Equipment Financing

Access to Simplified Equipment Purchasing Process

Merchant Processing

Credit Card Splits, ACH

Calculate the costs and payments of your business loan.

Loan Calculator

5%

Interest Rate

$ 50,000

Loan Amount

5 Years

Loan term

$6,613.70

Total Interest

$943.56​

Monthly Payment*

$56,613.70

Total Loan Cost

*This calculator provides estimates based on the current prime rate plus 4.75%. The actual rates or financial outcomes may vary.

We do not guarantee the accuracy of the results or their applicability to your specific circumstances.

Find Out Why

Businesses Prefer Us.

Speedy Financing

Funds Available in as Little as 24 Hours

Soft Credit Pulls

No Impact to Your Credit Score

One-Stop Lending

Access a Variety of Programs

IFS Capital: Your Direct Source for Tailored Financing. Achieve any goal with guidance from our expert loan advisors—no middlemen, no delays.

How Can We Help Your Business?

Acquire Inventory

Fund Payroll

Grow or Refurbish

Initiate Ad Campaigns

Balance Cash Flow

Modernize Machinery

Recruit New Talent

Merge Business Liabilities

Access Your Capital

Finalize your agreement and receive funding the very next day.

Prompt Decision

Consult with a loan advisor to select the ideal financing for your needs.

Swift Application

Effortlessly fill out your application in minutes with our online portal.

Financing That Keeps Pace with You.

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(605) 644-5060
Monday – Friday
7 a.m. –  6 p.m.  MST

Let our advisors guide you through the loan process—no expertise needed on your part.

Experts At Your Service.

Chosen by Countless Entrepreneurs

This was exactly what we were looking for. They really delivered on what they promised. James and his team are great!  Paramus, NJ

David Fourer

Business Owner, Barber Shop

We needed inventory for our new season and reasonable rates and Advance My Business really pulled through for us.  Denver, CO

Rebecca Silver

Business Owner , Woman's Clothing

These loans have helped us to purchase equipment for our shop. Travis always delivers when we need him. 

Los Angeles, CA

Steve Raminaj

Business Owner, Auto Repair Shop

Speedy Application

10-minute process, rapid funding.

Proven Impact

$15B in business growth funding.

Trusted Excellence

A+ BBB rating for superior service.

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