Small Business Loan Affordability Estimator

Monthly Business Financials

Average Monthly Revenue ($):

Average Monthly Cost of Goods Sold (COGS) ($): Enter 0 if not applicable or if providing Gross Profit directly below.

Average Monthly Operating Expenses ($): Exclude existing debt payments you plan to refinance, taxes, depreciation, and your flexible draw.

Existing Monthly Debt Payments ($): For debts that will *continue* after the new loan.

Owner's Desired Minimum Monthly Draw/Salary ($): Essential amount you need from the business.

New Loan Parameters

Desired New Loan Term (Years):

Estimated Annual Interest Rate for New Loan (%):

Affordability Estimate & Insights

Key Financial Snapshots (Monthly)

Gross Profit: $0.00

Net Operating Income (Pre-Debt/Draw): $0.00

Cash Flow Available for New Debt Service: $0.00

Estimated Loan Affordability

Estimated Affordable Monthly Loan Payment: $0.00

Estimated Affordable Loan Amount: $0.00

Projected Payoff Date: N/A

Key Ratio

Resulting Debt Service Coverage Ratio (DSCR): N/A A DSCR above 1.25 is often preferred by lenders, indicating your business generates enough income to cover debt payments with a cushion.

Disclaimer: This calculator provides an estimate for informational purposes only and is not a guarantee of loan approval or loan terms. Actual affordability may vary based on lender criteria, market conditions, and a full financial review. Depreciation, amortization, and taxes are not directly factored into this simplified model.