Capital Decision Toolkit
Business Loan Calculator
Estimate your daily, weekly, or monthly payments and total cost of capital.
Standard amortizing loan with fixed payments. Principal and interest paid down over the term. Rate reflects your creditworthiness and lender type.
Loan Parameters
Amount, rate & term
Loan Amount
$250,000
$
Annual Interest Rate (APR)
8.5%
%
Loan Term
36 months
mo
Business Context
Revenue, NOI & payment cadence
Payment Frequency
Monthly Business Revenue
$85,000
$
/mo
Used to calculate payment-to-revenue ratio and cash flow impact.
Monthly Net Operating Income
$28,000
$
/mo
Debt Service Coverage Ratio (DSCR) = NOI ÷ monthly payment. Most lenders require 1.20 or higher.
Analysis Result
Loading…
Cost per $1
—
Metric
💰 This Loan
Market Benchmark
Payment Amount
—
per month
Total Interest
—
True cost of capital
Effective APR
—
Annualized rate
Total Repayment
—
Principal + all interest
DSCR
—
Lender minimum: 1.20
% of Revenue
—
Payment vs. monthly revenue
| Cost Metric | This Loan | Market Benchmark |
|---|
Amortization Schedule
First 6 periods shown
| Period | Payment | Principal | Interest | Balance |
|---|
This loan works when…
›
Your DSCR is 1.25 or higher — comfortable income cushion above the payment
›
The capital deployed generates returns that exceed its total cost
›
Monthly payment stays within 15–20% of revenue for healthy cash flow
›
You have compared at least two offers on total cost — not monthly payment alone
›
The loan term aligns with the useful life of what it's financing
Reconsider if…
›
DSCR falls below 1.20 — most conventional lenders will decline at this level
›
Total interest exceeds 25% of the loan principal — explore better terms first
›
Payment consumes more than 25% of monthly revenue — cash flow risk is high
›
You haven't mapped a clear, measurable return on the capital being deployed
›
The effective APR is materially higher than your industry benchmark rate
This calculator provides estimates for comparison and planning purposes. Actual loan terms, rates, and approval criteria vary by lender, creditworthiness, industry, and collateral. DSCR is calculated using monthly NOI against the monthly-equivalent payment. Consult your financial advisor before committing to any financing agreement.