Free Tools

Calculators for commercial lenders

The ratios you run every day — fast, accurate, and free. No signup, no spreadsheet hunting.

DSCR Calculator

Debt service coverage ratio from NOI and annual debt service, with policy pass/fail.

Consolidate borrower, guarantor, and entity income against total debt obligations.

NOI as a percentage of the loan amount — a leverage-independent risk check.

Estimate the maximum SBA 7(a) loan supported by cash flow and program caps.

Monthly payment and full amortization schedule for any loan terms.