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    Financial Calculators from
    Dinkytown.net

    Financial Calculators ©1998-2015 KJE Computer Solutions, LLC









    Commercial Loan Calculator
    New commercial loan:
    Press spacebar to hide inputs
    Monthly payment $1,266.76
    [-]
    $0k
    $200k
    $500k
    $1m
    0%
    8%
    16%
    25%
    0
    10
    20
    30
    Your annual income:
    Press spacebar to show inputs
    Total $0
    [+]
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    Your monthly obligations:
    Press spacebar to show inputs
    Total $0
    [+]
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    $0k
    $200k
    $500k
    $1m
    Please view the report to see detailed results in tabular form.
    You probably do not qualify.
    Unfortunately your debt service coverage of 0 is not more than 1.25. You would probably not be able to qualify for for the loan, considering the information you have given.

    press spacebar to hide graph
    [-]

    Definitions

    New loan amount
    Total amount of your loan.
    Amortization in years
    Payment period in years.
    Interest rate
    Annual interest rate for this loan. Interest is calculated monthly on the current outstanding balance of your loan at 1/12 of the annual rate.
    New monthly payment
    Monthly payment for this loan.
    Annual verifiable net income
    Your annual net income from IRS tax returns or other financial statements.
    Annual depreciation expense
    Since depreciation reduces your net income, but not your cash flow, we add back depreciation in calculating your total net cash income.
    Other non-cash charges
    Like depreciation, these are other non-cash charges to your net income that should be added back to calculate your total net cash income for the year.
    Real estate mortgage
    Your monthly payment for any real estate mortgages.
    Business line of credit
    Your monthly payment for any business lines of credit.
    Auto loans
    Your monthly payment for any auto loans.
    Credit cards
    Your monthly payment for any credit cards.
    Other loans
    Your monthly payment for any other outstanding loans.
    Monthly debt payments eliminated
    Enter the amount, if any, of the monthly obligations you entered above that will be paid off by this new loan.
    Debt service coverage (DSC)
    The debt service coverage is determined by dividing the total annual net cash income by the total annual debt service. If you have a DSC of 1.25 or higher, there is a good chance that you will be approved for your loan.

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