Commercial Loan Calculator
Estimate your debt service coverage with a new commercial loan.
What This Number Means
Your projected coverage ratio is only one part of the decision. Before you apply, consider:
Whether the new loan keeps your coverage ratio healthy
How the added debt payment affects monthly cash flow
Whether the loan terms are within a comfortable range
How this loan compares to your current debt load
Whether the numbers support moving forward with the lender
How to Use This Calculator
1
Enter the loan amount and terms: Input the amount, rate, and term of the proposed loan.
2
Add current net operating income: Enter your business's net operating income.
3
Include existing debt payments: Add any current debt service obligations.
4
Review your new coverage ratio: See your projected debt service coverage with the new loan added.
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