New Loan Calculator
Analyze real estate, term, equipment, SBA 7(a), SBA 504, and line-of-credit structures with amortization tables and fee calculations.
Built for commercial finance professionals
Commercial Lending, Quantified.
Nine professional calculators for bankers, SBA lenders, and financial advisors. Structure loans, analyze global cash flow and DSCR, measure collateral coverage, review live rates, and build credit memos in one professional platform.
Commercial Lending Calculators
Replace disconnected spreadsheets with purpose-built analysis tools for commercial credit teams.
Global Cash Flow and DSCR
Run multi-company global cash flow analysis with debt-service coverage indicators across entities and personal guarantors.
Investment Real Estate DSCR
Calculate net operating income, cap rate, gross rent multiplier, and break-even occupancy for income-producing properties.
Conventional vs. SBA Comparison
Compare conventional and SBA loans side by side with fee breakdowns, total costs, and clear winner indicators.
Collateral Coverage
Apply lender advance rates to real estate, accounts receivable, inventory, equipment, and other assets to measure coverage.
Proposed vs. Current Debt
Compare existing obligations with proposed debt structures and calculate monthly and annual savings.
Financial Ratios
Review liquidity, leverage, working-capital, turnover, tangible net worth, and capital-expenditure ratios with benchmarks.
Live Rates and Historical Charts
Monitor SOFR, Prime, Fed Funds, and Treasury rates from 2-year through 30-year terms and inspect historical trends.
Business Valuation
Estimate low, medium, and high business values using EBITDA and seller's discretionary earnings with industry multiplier ranges.
From Analysis to Client-Ready Deliverables
Credit Write-Up Builder
Combine selected calculator results into an organized credit memo and export it as an editable Word document.
Print-Ready PDF Reports
Create professional, dated reports ready to attach to a credit file.
Save and Reload Calculations
Save client analyses to your account and return to them later.
Native iOS App
Use core lending calculators on iPhone with the same SmartBusinessCal account.
Built for Commercial Bankers, SBA Lenders, and Financial Advisors
Structure CRE and C&I loans, calculate SBA 7(a) and 504 scenarios, benchmark financial performance, follow market rates, value businesses, and prepare professional lending reports.
Ready to Work Faster?
Create your account and run your first commercial loan calculation.
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