Version1.0 | October29,2026 | BorrowYourLoan / Infusion Tech
P=10000/(1-f); r=annual_note_rate_percent/1200; M=P*r/(1-(1+r)^(-n)); repayment=M*n; interest=repayment-P; financing_cost=repayment-10000
Input is the note interest rate, not fee-inclusive APR. The dataset does not calculate regulatory APR. Compare actual APR from written disclosures.
Exactly10000 net cash at funding
Fixed annual note rate; monthly rate=annual percent/1200
Fee withheld as percentage of gross principal; no separate upfront fee
36 or60 equal monthly periods; no extra fees, late payments or early payoff
Full-precision calculations; rounded display; contractual final payment can differ
Data dictionary: scenario_id uniquely combines rate, term and fee. All money fields are USD. Months is installment count. Note/fee percentage fields are whole percentages, not fractions. Gross principal includes the withheld fee; total_interest excludes that fee; repayment_minus_net_proceeds includes interest and the fee exactly once. All other money fields are named cash flows.
Limitations: illustrative inputs are not representative market observations, quotes, underwriting standards or recommendations. No taxes, insurance, optional products, irregular dates, daily accrual or changes in rate.