Financial Calculators

Interactive Tools

Know Your Numbers Before You Apply

Use these calculators as a starting point. For a precise analysis of your specific deal, contact us for a free consultation.

Loan Payment Calculator

Calculate your estimated monthly payment for any commercial loan.

Loan Amount ($)

Annual Interest Rate (%)

Loan Term (Years)

Amortization Period (Years)

Can differ from loan term for balloon structures

ESTIMATED RESULTS

Monthly Payment

$7,390

Loan Amount $1,000,000

Interest Rate 7.50%

Loan Term 20 Years

Total Interest Paid $772,551

Total Cost of Loan $1,772,551

Estimates are for informational purposes only and do not constitute a loan commitment.

Debt Service Coverage Ratio

DSCR measures whether a property's income can cover its loan payments. Most lenders require 1.20x or higher.

Gross Annual Rental Income ($)

Vacancy & Credit Loss (%)

Typically 5–10% for commercial

Annual Operating Expenses ($)

Property taxes, insurance, maintenance, management

Annual Debt Service ($)

Total annual principal + interest payments

ESTIMATED RESULTS

DSCR Ratio

1.35x

Gross Income $180,000

Less Vacancy -$9,000

Operating Expenses -$45,000

Net Operating Income $126,000

Annual Debt Service $84,000

✓ Lender Eligible

Most commercial lenders require a minimum DSCR of 1.20x–1.25x. Some programs may allow lower ratios with additional reserves.

Fixed Charge Coverage Ratio

Used for term loans — SBA, equipment, business acquisition, and most conventional business loans. FCCR measures whether operating earnings can cover all fixed obligations including the proposed new debt.

FCCR = (EBITDA − Taxes − Unfunded CapEx) ÷ (Existing Debt Service + Proposed New Debt Service). Most lenders require 1.20x minimum.

Business Earnings

EBITDA ($)

Earnings before interest, taxes, depreciation & amortization

Annual Taxes Paid ($)

Actual cash taxes paid — not deferred

Unfunded Capital Expenditures ($)

Maintenance CapEx not covered by financing

Debt Obligations

Existing Annual Debt Service ($)

All current loan payments — principal + interest

Proposed New Annual Debt Service ($)

Payments on the loan being requested

ESTIMATED RESULTS

Fixed Charge Coverage Ratio

—

EBITDA —

Less: Taxes —

Less: Unfunded CapEx —

Available for Debt Service —

Existing Debt Service —

Proposed New Debt Service —

Total Debt Service —

—

Most lenders require a minimum FCCR of 1.20x for term loans. SBA lenders typically require 1.25x including all obligations. Results are estimates only.

Line of Credit Calculator

Lines of credit are typically interest-only on drawn balances. This calculator estimates your monthly interest cost and analyzes whether your business earnings support the line using DSCR or FCCR depending on lender type.

Note: CRE lenders use DSCR on LOC interest. Business lenders typically apply FCCR across all obligations including the LOC.

Line of Credit Terms

Line of Credit Limit ($)

Expected Average Draw (%)

What % of the line you expect to use on average

Annual Interest Rate (%)

LOC rates are typically variable — often Prime + spread

Coverage Analysis

Annual EBITDA or NOI ($)

Use NOI for real estate, EBITDA for business lines

Other Annual Debt Service ($)

All existing loan obligations excluding this LOC

ESTIMATED RESULTS

Monthly Interest (at avg draw)

—

Line Limit —

Avg Drawn Balance —

Annual Interest Cost —

EBITDA / NOI —

Other Debt Service —

LOC Interest (annual) —

Coverage Ratio —

—

LOC interest payments are interest-only on drawn balances. Coverage ratios shown include LOC interest service against EBITDA/NOI. Results are estimates only.

Global Cash Flow Analysis

Many lenders — especially for small business and owner-occupied CRE loans — combine personal and business income to assess total repayment capacity. This is called a "global" cash flow analysis.

Global FCCR = (Business EBITDA + Personal Income − Personal Obligations) ÷ Total Debt Service

Business Income

Business EBITDA ($)

Add-Backs & Non-Recurring Adjustments ($)

One-time expenses, owner perks, depreciation adjustments

Personal Income & Obligations

Personal W-2 / Other Annual Income ($)

Spouse income, rental income, other W-2s — outside the business

Annual Personal Obligations ($)

Mortgage, car payments, student loans, credit cards (minimum payments × 12)

Business Debt Service

Existing Business Debt Service ($)

Proposed New Debt Service ($)

ESTIMATED RESULTS

Global FCCR

—

Business EBITDA —

Add-Backs —

Personal Income —

Less: Personal Obligations —

Global Available Cash Flow —

Existing Business Debt Service —

Proposed New Debt Service —

Total Debt Service —

—

Global cash flow analysis combines business and personal financial capacity. Lenders use this approach for owner-operated businesses and owner-occupied real estate. Results are estimates only.

Loan-to-Value Calculator

Calculate LTV for purchase loans or ARV for fix-and-flip financing.

Section A — Purchase / Refinance LTV

Loan Amount ($)

Appraised Property Value ($)

Section B — Fix & Flip ARV

Purchase Price ($)

Estimated Rehab Cost ($)

After-Repair Value (ARV) ($)

Loan Amount ($)

ESTIMATED RESULTS

LTV Ratio

80.0%

ARV Loan-to-ARV

56.7%

Property Value $1,000,000

Loan Amount $800,000

Equity $200,000

Purchase + Rehab Cost $425,000

ARV $600,000

Profit Margin 29.2%

Hard money lenders typically lend up to 65–70% of ARV. Conventional lenders typically cap at 75–80% LTV.

Amortization Schedule

See a full year-by-year breakdown of principal and interest payments.

Loan Amount ($)

Annual Rate (%)

Term (Years)

LOAN SUMMARY

Monthly Payment

—

Total Interest —

Total Cost —

Year	Opening Balance	Annual Payment	Principal	Interest	Closing Balance
Click "Generate Schedule" to see your year-by-year breakdown.

Know Your Numbers Before You Apply

Loan Payment Calculator

Debt Service Coverage Ratio

Fixed Charge Coverage Ratio

Line of Credit Calculator

Global Cash Flow Analysis

Loan-to-Value Calculator

Amortization Schedule

Get a Precise Analysis of Your Deal