{
  "id": "v20-ie-business-loan",
  "version": "20.16.0",
  "name": "Business Loan Payment Calculator — Ireland",
  "shortName": "Business Loan Payment",
  "description": "Calculate a level-payment business loan with financed and up-front fees separated. EUR planning view; stated limitations apply.",
  "category": "Finance",
  "categorySlug": "finance",
  "keywords": [
    "business-loan",
    "ie",
    "consumer-finance",
    "loan-amortization"
  ],
  "status": "live",
  "workStatus": "pending",
  "reviewStatus": "pending",
  "migrationStatus": "new",
  "engine": "native",
  "creator": null,
  "reviewer": null,
  "quality": {
    "availability": "live",
    "technicalReviewRecord": "/reviews/v20-ie-business-loan.json",
    "qualifiedReview": "pending",
    "qualifiedReviewer": null,
    "qualifiedReviewDate": null,
    "formulaVersion": "20.16.0",
    "referenceCoverage": "references-listed",
    "releaseTestScope": "Catalog and regression checks are not a professional formula audit; consult release evidence.",
    "historicalMetadataDate": "",
    "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
  },
  "notice": "Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.",
  "urls": {
    "page": "/ie/business-loan/",
    "definition": "/ie/business-loan/definition.json",
    "schema": "/ie/business-loan/schema.json",
    "llms": "/ie/business-loan/llms.txt",
    "legacyDefinition": "/ie/business-loan/definition.json"
  },
  "queryExample": "https://askcalculators.com/ie/business-loan/?principal=50000&annualRate=8&months=60&financedFees=0&upfrontFees=0",
  "queryParameters": {
    "principal": {
      "label": "Loan principal before financed fees",
      "type": "money",
      "required": true,
      "default": 50000
    },
    "annualRate": {
      "label": "Annual nominal interest rate",
      "type": "percent",
      "required": true,
      "default": 8
    },
    "months": {
      "label": "Monthly payments",
      "type": "number",
      "required": true,
      "default": 60
    },
    "financedFees": {
      "label": "Fees added to principal",
      "type": "money",
      "required": true,
      "default": 0
    },
    "upfrontFees": {
      "label": "Fees paid separately up front",
      "type": "money",
      "required": true,
      "default": 0
    }
  },
  "inputs": [
    {
      "id": "principal",
      "label": "Loan principal before financed fees",
      "type": "money",
      "defaultValue": 50000,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "EUR",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "annualRate",
      "label": "Annual nominal interest rate",
      "type": "percent",
      "defaultValue": 8,
      "required": true,
      "min": 0,
      "max": 100,
      "step": 0.1,
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "months",
      "label": "Monthly payments",
      "type": "number",
      "defaultValue": 60,
      "required": true,
      "min": 1,
      "max": 1200,
      "step": 1,
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "financedFees",
      "label": "Fees added to principal",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "EUR",
      "help": "Illustrative starting value; replace with your own evidence."
    },
    {
      "id": "upfrontFees",
      "label": "Fees paid separately up front",
      "type": "money",
      "defaultValue": 0,
      "required": true,
      "min": 0,
      "max": 1000000000000,
      "step": 0.01,
      "prefix": "EUR",
      "help": "Illustrative starting value; replace with your own evidence."
    }
  ],
  "outputs": [
    {
      "id": "financedPrincipal",
      "label": "Total financed principal",
      "format": "currency",
      "digits": 2,
      "currency": "EUR"
    },
    {
      "id": "monthlyPayment",
      "label": "Level monthly payment",
      "format": "currency",
      "digits": 2,
      "primary": true,
      "currency": "EUR"
    },
    {
      "id": "totalPayments",
      "label": "Total scheduled loan payments",
      "format": "currency",
      "digits": 2,
      "currency": "EUR"
    },
    {
      "id": "interest",
      "label": "Interest over scheduled term",
      "format": "currency",
      "digits": 2,
      "currency": "EUR"
    },
    {
      "id": "totalCost",
      "label": "Interest plus all entered fees",
      "format": "currency",
      "digits": 2,
      "currency": "EUR"
    }
  ],
  "formula": {
    "expression": "monthly payment = financed principal × monthly rate ÷ (1 − (1 + monthly rate)^−months).",
    "note": "Inputs are converted to canonical units before evaluating this stated formula."
  },
  "examples": [
    {
      "label": "Illustrative defaults; required verification checks remain unconfirmed",
      "inputs": {
        "unitSystem": "metric",
        "principal": 50000,
        "annualRate": 8,
        "months": 60,
        "financedFees": 0,
        "upfrontFees": 0
      }
    }
  ],
  "sources": [
    {
      "label": "CFPB loan-estimate explanation",
      "url": "https://www.consumerfinance.gov/owning-a-home/loan-estimate/"
    },
    {
      "label": "CFPB comparing borrowing costs",
      "url": "https://www.consumerfinance.gov/owning-a-home/compare/compare-loan-estimates/"
    }
  ],
  "publicSlug": "business-loan",
  "namespace": "ie",
  "countries": [
    "us",
    "ca",
    "uk",
    "ie"
  ]
}