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# Business Math for Financial Management

Financial concepts like time value of money and calculating interest rates are fundamental for small business owners to understand. Small business owners also have to understand the process of invoicing and other business math functions vital to the firm. You will find explanatory examples here.

Take out a Bank Loan, Learn to Calculate Your Interest Rate
Interest rates are the cost you pay to borrow money on a loan. It's important to know how to calculate interest rates on bank loans. This article shows you how to calculate interest rates using a variety of methods before you take out a bank loan.

Amortization Schedule for a Business Loan
Every business owner should know how to amortize a loan. Loan amortization simply means figuring out how much interest and principal you have to pay on a loan each time the loan comes due, along with how much the balance is reduced. It is always a good idea to double check your lender's calculations.

How Banks Establish Interest Rates on Business Loans
Banks use benchmarks to calculate interest rates on small business loans.

The Difference Between the Stated Interest Rate and the Annual Percentage Rate
A tip on the difference between the annual percentage interest rate and the stated interest rate as they relate to debt financing and bank loans.

Time Value of Money - An Overview of Discounted Cash Flow Analysis
Time value of money is one of the core principles of small business finance and small business financing operations. It has to do with interest rates, compound interest, and the concepts of time and risk with regard to money and cash flows.

How to Calculate the Future Value of an Investment
The future value of an investment is one type of time value of money calculation. Here are three methods you can use to make this calculation.

How to Calculate the Present Value of a Single Amount
The present value of a sum of money is one type of time value of money calculation. Here are three methods you can use to make this calculation.

How do you Calculate the Present Value of an Ordinary Annuity?
The present value of an ordinary annuity is one type of time value of money calculation. Here are three methods you can use to make this calculation.

How do you Calculate the Present Value of an Annuity Due?
The present value of an annuity due is one type of time value of money calculation. Here are three methods you can use to make this calculation.