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Business Loan Calculator

Business loans use the same amortization math as personal loans, but lenders also check your debt-service coverage ratio (DSCR). This calculator models the payment and DSCR side by side.

Loan amount

Term-loan principal you're seeking.

APR

SBA 7(a) loans currently sit around prime + 2-4%; alt-lender term loans run higher.

Term (months)

SBA term loans go up to 10 years (working capital) or 25 (real estate).

Annual net operating income

EBITDA: revenue minus operating expenses, before debt service and taxes.

DSCR is the key metric. Lenders want at least 1.25× — your NOI must cover the annual debt service with 25%+ cushion. Below 1.10× is a denial in most underwriting models.

Monthly payment

$1,649

Annual debt service

$19,793

DSCR

2.27

Underwriting view

Likely approvable

Total interest

$23,967

Total of payments

$98,967

This calculator provides general loan projections only and is not individualized financial advice or a loan offer. Confirm actual APR, fees, and terms with your lender before borrowing.