Free business financing tool
Business Loan Affordability Calculator
Estimate the payment, total interest and operating cash flow needed to support a business loan before you apply.
Simple calculator
Updates liveCheck a loan
Affordability standardThe calculator compares your cash flow with the payment using debt-service coverage ratio, then estimates the largest loan that fits your target coverage.
Advanced calculator
Updates liveBuild a complete debt model
1
Loan structure
Enter the proposed financing terms and upfront costs.
2
Business cash flow
Measure the new loan against current operating capacity.
3
Stress assumptions
Test a tougher rate and a temporary decline in cash flow.
Downside check
Uses combined existing and new debtAffordability stress test
| Scenario | New payment | Operating cash flow | Combined DSCR | Cash after debt | Assessment |
|---|
Payment schedule
Principal and interest detailFirst 12 payments
| Payment | Beginning balance | Payment | Principal | Interest | Ending balance |
|---|
How to read the result
A loan can fit the budget and still leave too little room.
The payment is only the first test. A stronger decision also considers existing debt, fees, cash-flow variability and the cushion left after every required payment.
OfficeQ uses your target debt-service coverage as a planning threshold, not as a promise of lender approval. Lenders may calculate cash flow differently and may also consider collateral, credit, guarantees and industry risk.