SBA Loan Payment and DSCR Calculator
Estimate payments and debt-service coverage for a business loan using terms from your lender. Include guarantee or packaging fees, existing debt payments and annual operating cash flow. Review the amortization schedule and an optional shorter-maturity balloon scenario; actual SBA eligibility, permissible terms, fees and approval depend on the lender and program.
Your scenario
Enter your own numbers or load the worked example. Values are calculated in this browser and are not saved.
Your estimate
Complete the scenario to see a result, its breakdown and limitations.
Monthly amortization schedule
| Month | Payment | Interest | Principal | Balance |
|---|
Next steps
Check the assumptions with your records before making a decision. Related calculators can help compare the next part of your plan.
How the estimate works
Compute the level amortizing payment from principal, monthly rate and amortization term. Add existing annual debt service before dividing operating cash flow by total debt service. A maturity shorter than amortization leaves a separately disclosed balloon balance.
Worked example
A $120,000 loan at 0% over ten years costs $1,000 monthly. With $18,000 cash flow and no other debt, DSCR is 1.50.
Sources and review scope
Source comparison: 2026-09-23. Methodology owner: Toolistify. Implementation reviewed through automated source checks and regression tests; this is not professional tax, legal, benefits or financial certification.
Calculation inputs stay in this page; CSV downloads are created locally. The optional sales-tax lookup has separate disclosure above. Privacy · Corrections
Questions and answers
Is the displayed DSCR an approval decision?
No. Lenders define cash flow and underwriting requirements differently. Enter the lender’s required coverage ratio for your comparison.
Does every SBA loan allow a balloon?
No. The shorter-maturity calculation is a generic financing scenario, not a claim that it is an allowable SBA loan structure.