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Business calculator

Business Loan Calculator

Estimate a business loan payment and compare it with monthly operating cash flow using a simple debt service coverage ratio.

This uses fixed-rate amortization and a simple DSCR: monthly operating cash flow divided by monthly debt service.

Method

The payment uses the standard fixed-rate amortization formula. The DSCR estimate divides monthly operating cash flow by monthly debt service, including the new loan payment and other monthly debt service.

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Example

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A $75,000 loan at 11.5% over 5 years has an estimated monthly payment of about $1,649. With $6,500 monthly operating cash flow and no other debt service, DSCR is about 3.94.

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Common mistakes

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Do not use revenue as operating cash flow. DSCR should use cash available for debt service after operating costs.

What to watch

Business lending decisions can consider revenue quality, collateral, guarantees, industry risk, repayment history and cash-flow volatility. A calculator can test assumptions, but it cannot predict approval or final pricing.

References

Last reviewed: 2026-05-16

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.