Business Loan Directory
Business Loan Directory
Educational calculators. Not a lender.

The Payment That Actually Cash-Flows Calculator

Capacity. Capital. Character. See all three before you apply.

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Your loan payment estimate

Free. No email at the first level. No credit check. No obligation. Right capital at the right time.

$10,000 $250,000 $5,000,000

Rate range: 6.45% to 12.45% · Term: 3 to 10 yrs

550 700 800

Sets the net margin used for DSCR calculation.

Monthly payment by loan type

Live estimates using 2026 default rates. Actual rates depend on your profile.

SBA 7(a) / 504 --
Rate --
Term --
Payoff date --
Total interest --
Conventional Term Loan --
Rate --
Term --
Payoff date --
Total interest --
Line of Credit --
Rate --
Term --
Payoff date --
Total interest --

Pre-qualification likelihood for Conventional Term Loan: --

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Merchant Cash Advance Calculator

Enter your factor rate and term to see the implied APR.

Implied APR: --

Warning

Your entered scenario is ready

Drop your email to see the DSCR breakdown, Three Big Cs scorecard, and what is holding you back.

Your entered scenario: --/month. Pre-qualified rate at Business Loan dot Directory: --/month. Drop your email to see the breakdown.
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Full qualification analysis

Debt Service Coverage Ratio

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What this means: --

Next step: --

Three Big Cs Scorecard --
Capacity Cash flow relative to debt --
Capital Working capital and reserves --
Character Credit score and track record --
Total Score --
Limiting Factors

First 12 months shown. P&I (principal and interest) mode.

Period Payment Principal Interest Balance
Origination Fee (5%) --
SBA Guarantee Fee --
Est. Section 179 Tax Savings --
True Cost After Section 179 --

MCA Warning

Implied APR: --

Warning

Right capital at the right time.

Free. No email at the first level. No credit check. No obligation.

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