Tools
Calculators for placing a loan
Nine tools that run in your browser. Each prints a worked example with the arithmetic, names the rule it uses and the date of the source, and sends and stores nothing.
Ratios
DSCR calculator
Cash flow over debt service. Type the cash flow and the loan terms, see the ratio and the cushion before it falls to 1.00x.
Debt yield calculator
Cash flow over the loan. The one ratio that ignores the rate, the amortization and the cap rate.
LTV and LTC calculator
Loan to value and loan to cost, the equity a lender will ask for, and the federal supervisory limit for the property type.
Sizing
Maximum loan calculator
The loan each test allows: DSCR, LTV and debt yield side by side, and which one binds.
Amortization and balloon calculator
Payment, balance at maturity and interest paid, for a loan that amortizes over longer than it runs.
SBA
SBA 7(a) payment calculator
Monthly payment with the FY2027 upfront guaranty fee, with the fee paid in cash or added to the loan.
SBA 504 structure calculator
Bank loan, debenture and down payment for a project, and the fees that sit around them.
Lenders
Legal lending limit estimate
The most a bank can lend to one borrower, from public capital figures. Always an estimate.
Brokers
Deal summary builder
Turn the facts of a deal into a clean one-page summary you can copy or print. Nothing is saved or sent.
Estimate from your inputs. Not a quote or advice about which loan to take. The calculators describe how lenders and programs work. They do not rank or choose lenders, and nothing here is a quote or a prediction. See also the guides and the glossary.