Conservative
20% down · 10y term · 11.5%
Equity required$300K
Loan amount$1.2M
Monthly payment$17K
Annual debt service$202K
Loan should service
Free tool
SBA 7(a) calculator
Model three financing scenarios side by side. The full state lives in the URL, so any scenario is one share away.
Asking multiple3.75x
Three scenarios
1.98x
Realistic case
Base
10% down · 10y term · 10.5%
Equity required$150K
Loan amount$1.4M
Monthly payment$18K
Annual debt service$219K
Loan should service
Optimistic
10% down · 25y term · 10%
Equity required$150K
Loan amount$1.4M
Monthly payment$12K
Annual debt service$147K
Loan should service
What this tells you
DSCR is annual cash flow divided by annual debt service. Lenders want to see at least 1.25x to underwrite the loan comfortably. Below 1.0x means cash flow does not cover the payment.
Rates approximate SBA 7(a) prime-based variable as of June 2026. Calculator state is encoded in the URL so any scenario can be shared or bookmarked.