Advanced Business Loan Calculator
Compare standard loans, revolving lines of credit, and SBA loans with DSCR, risk analysis, cost breakdown, and schedule projections.
Formulas Used
- Monthly Payment (Amortizing):
- PMT = P x r x (1+r)^n / ((1+r)^n - 1)
- Interest (LOC Approx):
- Interest = Drawn Amount x Rate x Time
- DSCR:
- DSCR = After-Tax Annual Revenue / Annual Debt Service
Planning Notes
- - DSCR below 1.25 usually signals higher repayment pressure.
- - LOC is flexible but can become expensive with high utilization.
- - SBA fee and collateral requirements materially impact effective cost.
- - Review monthly payment vs monthly revenue before finalizing terms.
Calculation History
| Date | Loan Type | Key Metric | Value |
|---|---|---|---|
| No saved calculations yet. | |||