SMB Tools / SBA & financing

Can the business carry the loan?

Model an SBA 7(a) or conventional acquisition loan: the monthly payment, what it costs over the life of the loan, and the debt-coverage test a lender runs before they say yes.

The loan

Amount financed?

Interest rate (annual)?

Term?

years

Can the cash flow carry it?

Optional, but it’s the test a lender runs.

Business annual cash flow (SDE)?

DSCR2.07x

Comfortably above the 1.25-1.5x range lenders look for.

Monthly payment

$4,821.25

$350,000 at 11.00% over 10 years

Total interest: $228,550
Total repaid: $578,550
Annual debt service: $57,855

Balance over time

Amortization by year

Year	Interest	Principal	Balance
1	$37,494	$20,361	$329,639
2	$35,138	$22,717	$306,921
3	$32,509	$25,346	$281,575
4	$29,576	$28,279	$253,296
5	$26,303	$31,552	$221,744
6	$22,652	$35,203	$186,541
7	$18,578	$39,277	$147,264
8	$14,033	$43,822	$103,443
9	$8,962	$48,893	$54,550
10	$3,305	$54,550	$0

Estimates for planning, not a loan offer. Your lender sets the actual rate, fees, and structure. Assumes a fixed rate and equal monthly payments.

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