Free Commercial Debt & SBA 7(a) Tool
Business Loan Amortization & SBA DSCR Calculator
Calculate monthly principal and interest payments, total lifetime interest expense, and verify whether your business cash flow meets the 1.25x SBA bank DSCR covenant.
Loan & Cash Flow Inputs
Used to test bank Debt Service Coverage Ratio (SBA minimum is 1.25x).
Monthly Principal & Interest Payment
$4,293/mo($51,514/yr)
Total Lifetime Interest
$165,141
Over 120 monthly payments
DSCR Coverage Ratio
1.51x
SBA 1.25x Eligible
Excel Formula: = -PMT(Annual_Rate/12, Years*12, Loan_Principal)
Official Excel System
$7.20$9-20%
Commercial Loan Amortization & Refi Analyzer (.xlsx)
Model extra principal prepayments, refinance break-even months, interest savings and a debt service coverage check in Excel.
100% Macro-Free (.xlsx) • Native dynamic formulas
Single-user perpetual license • Zero monthly SaaS
Pre-filled demo workbook + Clean blank sheet
Instant .xlsx Download • Verified IT Safe • Polar Secured