Commercial Loan Calculator
Category: Other FinanceCalculate payments, amortization schedules, and analyze commercial loan terms. This calculator helps business owners, real estate investors, and financial professionals evaluate commercial financing options including SBA loans, conventional commercial loans, and equipment financing.
Loan Details
Additional Costs & Fees
Property & Income Analysis
What Is the Commercial Loan Calculator?
The Commercial Loan Calculator is a powerful payment planning tool designed to help business owners, property investors, and Financial professionals estimate payments for various types of commercial financing. It covers loans such as SBA 504, SBA 7(a), equipment financing, and conventional commercial loans.
This tool makes it easy to calculate monthly loan payments, analyze amortization schedules, and assess affordability using key financial ratios like DSCR (Debt Service Coverage Ratio) and LTV (Loan-to-Value).
Key Features
- Monthly Payment Tool: Instantly get a monthly payment estimate based on loan terms.
- Amortization Schedule: View payment breakdown over time—principal vs. interest.
- Qualification Analysis: See if your loan meets standard underwriting guidelines.
- Scenario Comparison: Evaluate different loan options side by side.
- Cash Flow & Tax Insights: Review profitability and potential tax savings.
How to Use the Calculator
- Enter the loan amount and choose the type of loan (e.g., SBA 504 or Equipment Financing).
- Input the interest rate, loan term, and amortization period.
- Add optional details like origination fees, closing costs, or balloon payments.
- Enter property value and annual income to check against target LTV and DSCR.
- Click “Calculate Loan Payment” to view results.
Why It’s Useful
Understanding your potential loan obligations is essential for smart business planning. This calculator helps you:
- Visualize monthly payments before committing to a loan.
- Estimate upfront costs like down payments and fees.
- Check affordability using DSCR and LTV metrics.
- Project long-term financial impact with a full amortization table.
Whether you're evaluating a new commercial property or financing equipment, this tool simplifies the math so you can focus on strategy.
Commercial Loan Payment Formula
Where:
- P = Loan principal (amount borrowed)
- r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = Total number of payments (months)
Frequently Asked Questions (FAQ)
What types of loans does this calculator support?
It supports a range of business financing options, including conventional commercial loans, SBA 504 and 7(a) loans, equipment financing, bridge loans, construction loans, and hard money loans.
How accurate are the estimates?
The results are designed for estimation and planning purposes. Actual terms may vary depending on lender policies, credit score, and current market conditions.
Can I include balloon payments?
Yes, you can enable a balloon payment option and select the year when the payment will be due. The calculator adjusts the schedule and payment accordingly.
What do DSCR and LTV mean?
DSCR (Debt Service Coverage Ratio) measures your ability to pay loan obligations based on income. LTV (Loan-to-Value) compares the loan amount to the property's value—used by lenders to assess risk.
Does it show the impact of fees?
Yes, you can enter origination fees, closing costs, and prepayment penalties. The calculator includes these in total cost estimates and cash required at closing.
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- Inflation Impact Tool: See how inflation may affect future payments.
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