Evolution Capital Group
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SBA, Commercial & Line of Credit Calculator

Estimate monthly payments, interest-only line of credit costs, total repayment, amortization, and DSCR for SBA loans, business term loans, commercial real estate loans, acquisition financing, and structured debt scenarios.

Model financing from $100K to $50MM.

  • SBA 7(a), SBA 504, commercial loans, and lines of credit
  • Term loans, acquisition financing, and real estate debt
  • Monthly payment, total interest, and amortization schedule
  • Lead CTA connected to evocapitalgroup.com/apply
Loan Calculator

Estimate your financing scenario.

This calculator uses standard amortization math for fully amortizing loans. It is designed for planning purposes and does not include lender fees, SBA guaranty fees, closing costs, prepayment penalties, interest-only periods, or variable-rate adjustments unless separately modeled.

Example: 1000000 for $1MM
Enter nominal annual rate, not APR.
Years. Use 10, 20, 25, etc.
Bridge loans are often interest-only.
Used only to estimate cash cost, not APR.
Large schedules can be long.
This tool is for general planning only. Actual financing terms depend on underwriting, collateral, debt service coverage, business performance, lender program, SBA eligibility, market conditions, and final approval.
Line of Credit Terms: Business credit lines may be structured for 12, 18, 24, 36, 48, or 60 months depending on the borrower, collateral, lender program, and whether the facility is revolving, interest-only, asset-based, factoring-based, or bank-style working capital.
Estimated Results
Estimated Monthly Payment
$0
Total Interest
$0
Total Repayment
$0
Estimated Fees
$0
Monthly Debt Service
$0

Want actual terms based on your business?

Submit your file for a confidential financing review. Evolution Capital Group can evaluate SBA, commercial, ABL, acquisition, bridge, real estate, and private credit options.

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Amortization Schedule

Payment breakdown.

For amortizing loans, the schedule shows how principal and interest are allocated over time. For interest-only loans, the schedule shows interest payments with principal due at maturity.

MonthPaymentPrincipalInterestRemaining Balance
DSCR Calculator

Debt Service Coverage Ratio

DSCR is one of the most important lender metrics. It compares available income or cash flow against annual debt obligations. For real estate deals, annual debt service should include principal, interest, property taxes, and insurance when evaluating cash flow coverage. Higher DSCR generally indicates stronger repayment capacity.

Use NOI for real estate or EBITDA / cash flow for business loans.
Total annual loan payments before taxes and insurance.
For real estate deals, include annual property taxes.
For real estate deals, include hazard, flood, wind, liability, or other required insurance.
General lender benchmarks vary by product, collateral, industry, and risk profile. Many lenders prefer DSCR above 1.20x–1.25x, but actual requirements vary.
Estimated DSCR
0.00x
Enter cash flow and debt service.
DSCR = Annual Cash Flow ÷ Annual Debt Obligations. A DSCR below 1.00x means cash flow does not fully cover debt payments.
Review Financing Options

SBA Loan Uses

Business acquisitions, partner buyouts, working capital, equipment, commercial real estate, expansion financing, and eligible debt refinance.

Commercial Loan Uses

Term loans, lines of credit, ABL, acquisition financing, commercial real estate, bridge loans, structured credit, and growth capital.

What Impacts Approval?

Revenue, cash flow, collateral, credit profile, DSCR, leverage, industry, existing debt, liquidity, lender appetite, and quality of documentation.