Business Loan Calculator
NewCalculate business loan monthly payments along with the Debt Service Coverage Ratio (DSCR) — a key metric lenders use to evaluate loan eligibility. Enter the loan amount, interest rate, term, and your business net operating income to see if you qualify. A DSCR above 1.25 is typically required by banks. The calculator also shows total interest cost and debt-to-revenue ratio to help you understand the full impact on your business finances.
Business Loan Calculator
Calculate business loan payments and key metrics like DSCR and debt-to-revenue.
Monthly Payment
$2,027.64
Total Interest
$21,658.37
DSCR
3.08
Healthy
Debt/Revenue
4.87%
How to Use Business Loan Calculator
- 1Enter loan amount and interest rate
- 2Set loan term in years
- 3Enter annual net operating income
- 4View monthly payment, DSCR, and qualification status
Your Privacy is Protected
Business Loan Calculator runs entirely in your browser. Your files and data are never uploaded to any server, never stored, and never shared. Everything happens locally on your device using secure browser APIs.
Frequently Asked Questions
What is DSCR?
Debt Service Coverage Ratio = Net Operating Income / Annual Debt Service. A DSCR of 1.25 means your business earns 25% more than needed to cover debt payments.
What DSCR do lenders require?
Most conventional lenders require 1.25 DSCR minimum. SBA loans can go as low as 1.10-1.15 for strong borrowers.
Why Use This Tool?
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