A small business owner visits his bank to ask for a loan.The owner states that he can repay a loan at $3,100 per month for the next three years and then $2,100 per month for two years after that. If the bank is charging customers 10.00 percent APR, how much would it be willing to lend the business owner?

I have equation - but cant get the right answer..

(3100-2100) x (1-(1+10%/12)^-36) /(10%/12) +1000 x (1-(1+10%/12)^60) / (10%/12)