Loan Calculator

Run the numbers
before you commit.

Estimate monthly payments, total interest, and cost of capital across every program we offer — SBA, term loans, lines of credit, real estate, and equipment financing.

SBA 10-Year Term Loan

Sized at 35% of annual revenue minus existing debt, capped at $350,000. Rate: WSJ Prime + 2.75–6%. No DSCR minimum required.

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Minimum $100,000 annual revenue to qualify
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Outstanding balance on current loans or MCAs
%
WSJ Prime (~5.5%) + 2.75–6%. Typical range: 8.25–11.5%
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Collected from loan proceeds. Typical: $1,970–$11,375

Results

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Enter your annual revenue and existing debt above to see your maximum SBA loan amount and monthly payment.

Growth Term Loan

10-year term. Sized to 60% of revenue less debt, or 1.25x DSCR — whichever is higher. Rate: 15–20% (risk-based). +5% origination.

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From most recently filed business tax return. Min. $100,000
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Enables 1.25x DSCR sizing method if higher than Method 1
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Target 15–20%. May be higher based on risk profile
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+5% to the bank — deducted from loan proceeds

Results

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Enter revenue, EBITDA, and rate to see loan sizing and monthly payments across both qualification methods.

Unsecured Line of Credit

Revolving, interest-only monthly payments. Up to $250,000. Rate: WSJ Prime + 1% annually. No collateral required.

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Maximum facility: $250,000
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Interest accrues only on the amount drawn, not the full line
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WSJ Prime + 1% = ~6.5%+. Enter your quoted rate
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Shows amortized comparison — the line itself is revolving with no set term

Results

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Enter your line amount, draw, and rate to see your monthly interest cost and daily carrying cost.

Commercial Real Estate

30-year mortgage, bridge, hard money, fix & flip, and ground-up construction. LTV defaults adjust per loan type.

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%
Investment property: up to 80% LTV
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After repair value — used to calculate 75% ARV cap

Results

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Enter property value, loan type, and rate to calculate your mortgage or bridge payment.

Equipment Financing

Purchase, refi, or revolving LOC. Rates from 6%+. No minimum FICO. Nationwide. Up to $300M.

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App-only up to $500K with 700+ FICO
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Standard: 6%+. Startups: 10–24%

Results

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Enter equipment value, financing type, and rate to see your monthly payment and total cost of capital.

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SBA Loans Term Loans Lines of Credit Real Estate Equipment Finance MCA Consolidation

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