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                                Financial Calculators from
                                Dinkytown.net

                                Financial Calculators ©1998-2015 KJE Computer Solutions, LLC









                                Commercial Loan Calculator
                                New commercial loan:
                                Press spacebar to hide inputs
                                Monthly payment $1,266.76
                                [-]
                                $0k
                                $200k
                                $500k
                                $1m
                                0%
                                8%
                                16%
                                25%
                                0
                                10
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                                30
                                Your annual income:
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                                Total $0
                                [+]
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                                $0k
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                                $1m
                                Your monthly obligations:
                                Press spacebar to show inputs
                                Total $0
                                [+]
                                $0k
                                $200k
                                $500k
                                $1m
                                $0k
                                $200k
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                                Please view the report to see detailed results in tabular form.
                                You probably do not qualify.
                                Unfortunately your debt service coverage of 0 is not more than 1.25. You would probably not be able to qualify for for the loan, considering the information you have given.

                                press spacebar to hide graph
                                [-]

                                Definitions

                                New loan amount
                                Total amount of your loan.
                                Amortization in years
                                Payment period in years.
                                Interest rate
                                Annual interest rate for this loan. Interest is calculated monthly on the current outstanding balance of your loan at 1/12 of the annual rate.
                                New monthly payment
                                Monthly payment for this loan.
                                Annual verifiable net income
                                Your annual net income from IRS tax returns or other financial statements.
                                Annual depreciation expense
                                Since depreciation reduces your net income, but not your cash flow, we add back depreciation in calculating your total net cash income.
                                Other non-cash charges
                                Like depreciation, these are other non-cash charges to your net income that should be added back to calculate your total net cash income for the year.
                                Real estate mortgage
                                Your monthly payment for any real estate mortgages.
                                Business line of credit
                                Your monthly payment for any business lines of credit.
                                Auto loans
                                Your monthly payment for any auto loans.
                                Credit cards
                                Your monthly payment for any credit cards.
                                Other loans
                                Your monthly payment for any other outstanding loans.
                                Monthly debt payments eliminated
                                Enter the amount, if any, of the monthly obligations you entered above that will be paid off by this new loan.
                                Debt service coverage (DSC)
                                The debt service coverage is determined by dividing the total annual net cash income by the total annual debt service. If you have a DSC of 1.25 or higher, there is a good chance that you will be approved for your loan.

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