Line of Credit Repayment Calculator
Compare interest-only vs amortized repayment structures for your business line of credit. Plan your cash flow and choose the best repayment strategy.
Credit Line Details
Optimize Credit Strategy, Expand Your Network
You've planned your repayment strategy – now leverage professional relationships to negotiate better terms, find alternative lenders, and build the connections that drive business growth.
Line of Credit Repayment Strategies
Interest-Only
Lower monthly payments, preserve cash flow, but balance remains unchanged. Good for seasonal businesses.
Amortized
Pay down principal systematically, reduce total interest cost, build equity over time.
Flexible Hybrid
Switch between strategies based on cash flow needs and business cycles.
Smart Credit Line Management
Cash Flow Optimization
Use interest-only payments during low-revenue periods, switch to amortized during strong months.
Interest Savings
Even small additional principal payments can save thousands in interest over the life of your credit line.
Finance Your Growth Strategy
Smart financing is just the beginning. Build the professional relationships that will drive your business forward. HeyCard helps you connect with lenders, partners, and customers at every opportunity.
