Calculate business loan payments, origination costs, and amortization after an optional interest-only period. Add revenue and operating expenses to estimate debt-service coverage.
Business Loan Inputs
$
%
%
$
$
Estimated Origination Fee
$3,750.00
Results Overview
Monthly Payment
$3,959.12
Total Interest
$82,566.26
Total Payments
$332,566.08
Post-IO DSCR (est.)
3.79
Remaining Balance at Maturity
$0.18
DSCR uses the fully amortizing payment after any interest-only period, not the lower introductory payment. Many lenders look for at least 1.25×.
Remaining Balance Over Time
- Balance
Monthly Payment Breakdown
- Interest
- Principal
Amortization Schedule
| # | Date | Payment | Interest | Principal | Ending Balance |
|---|---|---|---|---|---|
| 1 | 2026-10-01 | $3,959.12 | $1,770.83 | $2,188.29 | $247,811.71 |
| 2 | 2026-11-01 | $3,959.12 | $1,755.33 | $2,203.79 | $245,607.92 |
| 3 | 2026-12-01 | $3,959.12 | $1,739.72 | $2,219.40 | $243,388.52 |
| 4 | 2027-01-01 | $3,959.12 | $1,724.00 | $2,235.12 | $241,153.40 |
| 5 | 2027-02-01 | $3,959.12 | $1,708.17 | $2,250.95 | $238,902.45 |
| 6 | 2027-03-01 | $3,959.12 | $1,692.23 | $2,266.89 | $236,635.56 |
| 7 | 2027-04-01 | $3,959.12 | $1,676.17 | $2,282.95 | $234,352.61 |
| 8 | 2027-05-01 | $3,959.12 | $1,660.00 | $2,299.12 | $232,053.49 |
| 9 | 2027-06-01 | $3,959.12 | $1,643.71 | $2,315.41 | $229,738.08 |
| 10 | 2027-07-01 | $3,959.12 | $1,627.31 | $2,331.81 | $227,406.27 |
| 11 | 2027-08-01 | $3,959.12 | $1,610.79 | $2,348.33 | $225,057.94 |
| 12 | 2027-09-01 | $3,959.12 | $1,594.16 | $2,364.96 | $222,692.98 |
| 13 | 2027-10-01 | $3,959.12 | $1,577.41 | $2,381.71 | $220,311.27 |
| 14 | 2027-11-01 | $3,959.12 | $1,560.54 | $2,398.58 | $217,912.69 |
| 15 | 2027-12-01 | $3,959.12 | $1,543.55 | $2,415.57 | $215,497.12 |
| 16 | 2028-01-01 | $3,959.12 | $1,526.44 | $2,432.68 | $213,064.44 |
| 17 | 2028-02-01 | $3,959.12 | $1,509.21 | $2,449.91 | $210,614.53 |
| 18 | 2028-03-01 | $3,959.12 | $1,491.85 | $2,467.27 | $208,147.26 |
| 19 | 2028-04-01 | $3,959.12 | $1,474.38 | $2,484.74 | $205,662.52 |
| 20 | 2028-05-01 | $3,959.12 | $1,456.78 | $2,502.34 | $203,160.18 |
| 21 | 2028-06-01 | $3,959.12 | $1,439.05 | $2,520.07 | $200,640.11 |
| 22 | 2028-07-01 | $3,959.12 | $1,421.20 | $2,537.92 | $198,102.19 |
| 23 | 2028-08-01 | $3,959.12 | $1,403.22 | $2,555.90 | $195,546.29 |
| 24 | 2028-09-01 | $3,959.12 | $1,385.12 | $2,574.00 | $192,972.29 |
| 25 | 2028-10-01 | $3,959.12 | $1,366.89 | $2,592.23 | $190,380.06 |
| 26 | 2028-11-01 | $3,959.12 | $1,348.53 | $2,610.59 | $187,769.47 |
| 27 | 2028-12-01 | $3,959.12 | $1,330.03 | $2,629.09 | $185,140.38 |
| 28 | 2029-01-01 | $3,959.12 | $1,311.41 | $2,647.71 | $182,492.67 |
| 29 | 2029-02-01 | $3,959.12 | $1,292.66 | $2,666.46 | $179,826.21 |
| 30 | 2029-03-01 | $3,959.12 | $1,273.77 | $2,685.35 | $177,140.86 |
| 31 | 2029-04-01 | $3,959.12 | $1,254.75 | $2,704.37 | $174,436.49 |
| 32 | 2029-05-01 | $3,959.12 | $1,235.59 | $2,723.53 | $171,712.96 |
| 33 | 2029-06-01 | $3,959.12 | $1,216.30 | $2,742.82 | $168,970.14 |
| 34 | 2029-07-01 | $3,959.12 | $1,196.87 | $2,762.25 | $166,207.89 |
| 35 | 2029-08-01 | $3,959.12 | $1,177.31 | $2,781.81 | $163,426.08 |
| 36 | 2029-09-01 | $3,959.12 | $1,157.60 | $2,801.52 | $160,624.56 |
| 37 | 2029-10-01 | $3,959.12 | $1,137.76 | $2,821.36 | $157,803.20 |
| 38 | 2029-11-01 | $3,959.12 | $1,117.77 | $2,841.35 | $154,961.85 |
| 39 | 2029-12-01 | $3,959.12 | $1,097.65 | $2,861.47 | $152,100.38 |
| 40 | 2030-01-01 | $3,959.12 | $1,077.38 | $2,881.74 | $149,218.64 |
| 41 | 2030-02-01 | $3,959.12 | $1,056.97 | $2,902.15 | $146,316.49 |
| 42 | 2030-03-01 | $3,959.12 | $1,036.41 | $2,922.71 | $143,393.78 |
| 43 | 2030-04-01 | $3,959.12 | $1,015.71 | $2,943.41 | $140,450.37 |
| 44 | 2030-05-01 | $3,959.12 | $994.86 | $2,964.26 | $137,486.11 |
| 45 | 2030-06-01 | $3,959.12 | $973.86 | $2,985.26 | $134,500.85 |
| 46 | 2030-07-01 | $3,959.12 | $952.71 | $3,006.41 | $131,494.44 |
| 47 | 2030-08-01 | $3,959.12 | $931.42 | $3,027.70 | $128,466.74 |
| 48 | 2030-09-01 | $3,959.12 | $909.97 | $3,049.15 | $125,417.59 |
| 49 | 2030-10-01 | $3,959.12 | $888.37 | $3,070.75 | $122,346.84 |
| 50 | 2030-11-01 | $3,959.12 | $866.62 | $3,092.50 | $119,254.34 |
| 51 | 2030-12-01 | $3,959.12 | $844.72 | $3,114.40 | $116,139.94 |
| 52 | 2031-01-01 | $3,959.12 | $822.66 | $3,136.46 | $113,003.48 |
| 53 | 2031-02-01 | $3,959.12 | $800.44 | $3,158.68 | $109,844.80 |
| 54 | 2031-03-01 | $3,959.12 | $778.07 | $3,181.05 | $106,663.75 |
| 55 | 2031-04-01 | $3,959.12 | $755.53 | $3,203.59 | $103,460.16 |
| 56 | 2031-05-01 | $3,959.12 | $732.84 | $3,226.28 | $100,233.88 |
| 57 | 2031-06-01 | $3,959.12 | $709.99 | $3,249.13 | $96,984.75 |
| 58 | 2031-07-01 | $3,959.12 | $686.98 | $3,272.14 | $93,712.61 |
| 59 | 2031-08-01 | $3,959.12 | $663.80 | $3,295.32 | $90,417.29 |
| 60 | 2031-09-01 | $3,959.12 | $640.46 | $3,318.66 | $87,098.63 |
| 61 | 2031-10-01 | $3,959.12 | $616.95 | $3,342.17 | $83,756.46 |
| 62 | 2031-11-01 | $3,959.12 | $593.27 | $3,365.85 | $80,390.61 |
| 63 | 2031-12-01 | $3,959.12 | $569.43 | $3,389.69 | $77,000.92 |
| 64 | 2032-01-01 | $3,959.12 | $545.42 | $3,413.70 | $73,587.22 |
| 65 | 2032-02-01 | $3,959.12 | $521.24 | $3,437.88 | $70,149.34 |
| 66 | 2032-03-01 | $3,959.12 | $496.89 | $3,462.23 | $66,687.11 |
| 67 | 2032-04-01 | $3,959.12 | $472.37 | $3,486.75 | $63,200.36 |
| 68 | 2032-05-01 | $3,959.12 | $447.67 | $3,511.45 | $59,688.91 |
| 69 | 2032-06-01 | $3,959.12 | $422.80 | $3,536.32 | $56,152.59 |
| 70 | 2032-07-01 | $3,959.12 | $397.75 | $3,561.37 | $52,591.22 |
| 71 | 2032-08-01 | $3,959.12 | $372.52 | $3,586.60 | $49,004.62 |
| 72 | 2032-09-01 | $3,959.12 | $347.12 | $3,612.00 | $45,392.62 |
| 73 | 2032-10-01 | $3,959.12 | $321.53 | $3,637.59 | $41,755.03 |
| 74 | 2032-11-01 | $3,959.12 | $295.76 | $3,663.36 | $38,091.67 |
| 75 | 2032-12-01 | $3,959.12 | $269.82 | $3,689.30 | $34,402.37 |
| 76 | 2033-01-01 | $3,959.12 | $243.68 | $3,715.44 | $30,686.93 |
| 77 | 2033-02-01 | $3,959.12 | $217.37 | $3,741.75 | $26,945.18 |
| 78 | 2033-03-01 | $3,959.12 | $190.86 | $3,768.26 | $23,176.92 |
| 79 | 2033-04-01 | $3,959.12 | $164.17 | $3,794.95 | $19,381.97 |
| 80 | 2033-05-01 | $3,959.12 | $137.29 | $3,821.83 | $15,560.14 |
| 81 | 2033-06-01 | $3,959.12 | $110.22 | $3,848.90 | $11,711.24 |
| 82 | 2033-07-01 | $3,959.12 | $82.95 | $3,876.17 | $7,835.07 |
| 83 | 2033-08-01 | $3,959.12 | $55.50 | $3,903.62 | $3,931.45 |
| 84 | 2033-09-01 | $3,959.12 | $27.85 | $3,931.27 | $0.18 |
Key Insights
- DSCR ≥ 1.25× is a common underwriting threshold. Improve DSCR by lowering debt service or raising EBITDA.
- Interest-only periods improve near-term cash flow but extend total interest paid—use strategically.
- Origination fees are part of true borrowing cost—budget for them alongside closing costs and reserves.
This tool is for planning/education only and is not financial advice.
Methodology & Formulas
- Monthly rate:
r = note interest rate / 12 - Interest-only payment:
IO = B · r - Amortizing payment:
PMT = P·r / (1 - (1 + r)^(-n))(ifr = 0thenP/n) - Monthly interest:
I_t = B_(t-1) · r - Principal portion:
PP_t = PMT - I_t(capped at remaining balance) - Balance update:
B_t = B_(t-1) - PP_t - DSCR:
DSCR = EBITDA / DebtService(monthly EBITDA ≈ Revenue − OpEx) - Origination fee:
Fee = P · fee%
How to Use
- Enter loan amount, note interest rate, term, and any interest-only months.
- Add revenue and OpEx to assess DSCR; target ≥ 1.25× where possible.
- Review amortization, total interest, and payment breakdown.
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