Know the payment before anyone pitches you one.

Pick the kind of loan, set the amount, rate and term, and see what it costs per month, what it costs over its life, and what the business has to earn to carry it. Drag across the chart to see what is still owed in any year.

A brass mechanical adding machine with a curl of paper tape, beside a ledger and a fountain pen on a green leather desk.

Working capital and equipment run to 10 years, real estate to 25. The rate floats with prime, so run it a point higher than today's before you decide.

years
Maturity

Estimated monthly payment

$4,723

To carry this at the 1.25x coverage most lenders want, the business needs about $5,903 a month in net operating income.

Want these numbers pressure-tested against what lenders will actually offer? That is the complimentary hour.

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Estimates only, assuming a fixed rate for the whole term. Not an offer of credit or a quote. Actual terms depend on the lender, the program, and your file.

What is still owedDrag across the years
Balance remaining on the loan by year, from $350,000 at the start to $0 at maturity.Year 0Year 10
Still owed
$0
Principal paid
$350,000
Interest paid
$216,727
Total interest
$216,727
Total repaid
$566,727