Business Loan Calculator — DSCR, Payments & Full Amortization
Calculate monthly payments, DSCR ratio, origination fees, and cash disbursed. Enter NOI to see lender approval likelihood with a full amortization schedule.
Business Loan Calculator
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Total Interest Over Loan Term
▼ $11659.35
Origination Fee (2.00%)
▼ $5000.00 — Cash received: $245000.00
Total Cost of Loan (Payments + Origination Fee)
▼ $266659.35
Actual Cash Deposited in Your Account
▲ $245000.00
Debt Service Coverage Ratio (DSCR)
▼ 0.39 — Insufficient — Loan payments exceed income. High denial risk.
Scenario Comparison
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Debt Service Coverage Ratio (DSCR)
Loan payments exceed net operating income. High denial risk. Consider reducing loan amount or increasing income.
Monthly NOI
$8,500.00
Min. Required DSCR
1.25 (most lenders)
Monthly Payment
$21804.95
Total Interest
$11659.35
Origination Fee
$5000.00
Cash Received
$245000.00
Amortization Schedule
12 total payments| Month | Beginning Balance | Payment | Interest | Principal | Ending Balance |
|---|---|---|---|---|---|
| Mo 1 | $250,000.00 | $21,804.95 | $1,770.83 | $20,034.11 | $229,965.89 |
| Mo 2 | $229,965.89 | $21,804.95 | $1,628.93 | $20,176.02 | $209,789.87 |
| Mo 3 | $209,789.87 | $21,804.95 | $1,486.01 | $20,318.93 | $189,470.93 |
| Mo 4 | $189,470.93 | $21,804.95 | $1,342.09 | $20,462.86 | $169,008.07 |
| Mo 5 | $169,008.07 | $21,804.95 | $1,197.14 | $20,607.81 | $148,400.27 |
| Mo 6 | $148,400.27 | $21,804.95 | $1,051.17 | $20,753.78 | $127,646.49 |
| Mo 7 | $127,646.49 | $21,804.95 | $904.16 | $20,900.78 | $106,745.71 |
| Mo 8 | $106,745.71 | $21,804.95 | $756.12 | $21,048.83 | $85,696.88 |
| Mo 9 | $85,696.88 | $21,804.95 | $607.02 | $21,197.93 | $64,498.95 |
| Mo 10 | $64,498.95 | $21,804.95 | $456.87 | $21,348.08 | $43,150.87 |
| Mo 11 | $43,150.87 | $21,804.95 | $305.65 | $21,499.29 | $21,651.58 |
| Mo 12 | $21,651.58 | $21,804.95 | $153.37 | $21,651.58 | PAID OFF |
Payment Breakdown
Of every dollar you repay, 95.5% reduces your balance and 4.5% goes to the lender as interest cost.
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