Business Loan Calculator
Calculate business-loan payments, total interest, and annual debt service.
Business Finance Calculators
Calculate loan payments, debt coverage, amortization, balloon balances, and seller-financing terms for operating companies and acquisitions.
Decision workflow
How to use this toolkit
- Estimate the loan payment and annual debt service.
- Test cash flow against debt using DSCR.
- Model balloon or seller-note obligations.
- Run a higher-rate and lower-cash-flow downside case.
Key terms
Annual debt service
Principal and interest required during a year.
DSCR
Cash flow available for debt service divided by annual debt service.
Amortization
The schedule by which payments reduce interest and principal.
Worked decision example
A buyer considering an $850,000 loan should calculate payment first, carry annual debt service into the DSCR tool, and then test a higher interest rate before deciding the purchase price is affordable.
Common decision mistakes
- Do not confuse a low monthly payment with affordability.
- Include all senior debt, seller notes, fees, capex, and working-capital needs.
- Confirm current terms directly with the lender.
SBA Loan Calculator
Estimate SBA loan payments, equity injection, financed amount, and debt service.
SBA 7(a) Loan Calculator
Estimate an SBA 7(a) loan amount, equity contribution, payment, and debt service.
SBA 504 Loan Calculator
Estimate bank, CDC/SBA, and borrower portions of an SBA 504 project.
Commercial Loan Calculator
Calculate commercial-loan payments and balloon balances.
Amortization Calculator
Calculate payment, total interest, and remaining loan balance.
DSCR Calculator
Calculate debt service coverage ratio and cash flow after debt service.
Balloon Payment Calculator
Calculate monthly payments and the remaining balloon balance.
Seller Financing Calculator
Model seller-note payments, interest, and balloon balance.
Debt Yield Calculator
Calculate property net operating income as a percentage of loan principal.