Loans & consolidation
Business Loan Balloon and Maturity Planner
Project the balance due at maturity when regular payments do not fully amortize the loan.
How to use this calculator
- Gather balance; rate; payment; months to maturity. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review maturity balance; funding gap; payoff schedule. Open the breakdown and export a copy for discussion.
How the calculation works
Each month applies interest to the opening balance, then the scheduled payment. The final balance after the last regular payment is the balloon. The funding gap subtracts the entered reserve.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Balance due after last regular payment
- $73,026.54
- Maturity funding shortfall
- $63,026.54
- Interest during forecast
- $21,026.54
- Regular payments during forecast
- $48,000.00
Questions about the results
What does this tool include?
Project the balance due at maturity when regular payments do not fully amortize the loan. Each month applies interest to the opening balance, then the scheduled payment. The final balance after the last regular payment is the balloon. The funding gap subtracts the entered reserve.
What should I verify before relying on the result?
This monthly model capitalizes any unpaid interest. Use it only when that convention matches the agreement. A payment below monthly interest increases the balance.
What this result does and does not tell you
This monthly model capitalizes any unpaid interest. Use it only when that convention matches the agreement. A payment below monthly interest increases the balance.
Sources and reference material
Sources checked 2026-10-09. Verify rules and program terms for your actual transaction date.