Research basis
Sources and methodology
The calculator uses standard amortization math and general small business loan planning concepts. It does not reproduce a lender's underwriting model.
Official references
- U.S. Small Business Administration loan programs
- SBA 7(a) loans overview
- SBA business planning and startup cost guidance
Calculation approach
Monthly payment is estimated with the standard amortization formula using principal, monthly interest rate, and number of months. DSCR is estimated as monthly business cash flow divided by existing monthly debt plus the new loan payment.
Limitations
Actual loan terms, rates, guaranty fees, closing costs, eligibility, collateral, and documentation requirements vary. Confirm all assumptions with a qualified lender, accountant, attorney, or financial advisor.