Small Business Financing Calculators

SBA 7(a) Loan Payment + DSCR Calculator

Run the same two numbers SBA 7(a) lenders run on every credit memo: the fixed-rate monthly principal-and-interest payment under standard amortization, and the Debt Service Coverage Ratio (DSCR = business NOI ÷ annual debt service) — the ratio actually underwritten to under SBA Standard Operating Procedure 50 10 7.1. Inputs the loan amount, fixed-vs-variable rate election, term in years (10 for working capital, 25 for owner-occupied real estate under 13 CFR § 120.212), Wall Street Journal Prime Rate, lender spread, and business NOI. Outputs monthly P&I, total interest over the life of the loan, the current SBA guarantee fee under 13 CFR § 120.220 + SOP 50 10 7.1 (waived at 0% for loans ≤ $1M in the current fiscal year), annual debt service, DSCR against the conventional 1.15 underwriting floor, the NOI required to hit that floor, and the funding gap if NOI falls short. Variable-rate spreads are checked against the regulatory ceilings under 13 CFR § 120.214 (Prime + 6.5% on loans ≤ $50K, sliding down to Prime + 3.0% on loans > $350K).

BOI Reporting Penalty Calculator (Corporate Transparency Act)

Surface the federal penalty exposure for missing a Beneficial Ownership Information (BOI) report under the Corporate Transparency Act (31 U.S.C. § 5336) and the implementing rule at 31 CFR § 1010.380. Resolves the applicable filing deadline by formation regime — pre-2024 entities had until January 1, 2025, 2024-formation entities had 90 calendar days, and 2025-and-after-formation entities have 30 calendar days. Computes civil penalty exposure at $591/day (2025 inflation-adjusted under 31 U.S.C. § 5321), flags the criminal exposure for willful violations (fines up to $10,000 + up to 2 years imprisonment under § 5336(h)(3)), applies the 90-day safe harbor for inadvertent inaccuracies under § 5336(h)(3)(C), screens the large-operating-company exemption (more than 20 full-time U.S. employees, U.S. physical office, more than $5M gross receipts), and emits corrective-action guidance pointing at the FinCEN BOI E-Filing portal. Surfaces a verify-FinCEN-guidance caveat reflecting the ongoing post-NSBU v. Yellen litigation and interim final rules through 2024-2025.

SBA 504 vs SBA 7(a) Comparison Calculator

Compare the two SBA loan programs side-by-side on the specific project the borrower has in front of them. SBA 504 splits the project 50/40/10 — 50% conventional first-mortgage bank loan + 40% SBA-guaranteed CDC debenture (typically a 20- or 25-year fixed rate locked at the monthly debenture sale, referenced to a Treasury index) + 10% borrower equity, under 15 U.S.C. §§ 695 et seq. and 13 CFR Part 120 Subpart H. SBA 7(a) is a single-lender general-purpose loan at Prime + spread under 13 CFR § 120.214, with maximum terms of 10 years for working capital and 25 years for owner-occupied real estate under § 120.212. The calculator computes the monthly P&I under each structure (504 sums the first-mortgage and CDC tranches), the total interest over the hold, the 504 blended rate on the 90% borrowed portion, and surfaces a use-case recommendation: 504 is typically cheaper for long-term real estate hold because the CDC debenture rate is fixed and runs 100–200 bps below the equivalent 7(a) starting rate; 7(a) is the only path for working capital (504 does not permit working-capital use under 15 U.S.C. § 695(d)); equipment depends on useful life (504 requires 10+ year useful life).

SBA Loan Personal Guarantee Risk Calculator

Model the personal-guarantee exposure under an SBA 7(a) or 504 loan before signing SBA Form 148. Under 13 CFR § 120.160(a), every individual owning 20% or more of the borrower must execute an unconditional personal guarantee — and the SBA guarantee is joint and several, meaning the SBA can collect the full post-liquidation deficiency from any single guarantor, regardless of ownership share. The calculator inputs the loan amount, owner share, personal net worth, liquid assets, ERISA-protected retirement assets, primary-residence equity, marital status, and a homestead-exemption tier for the state of residence. Outputs the estimated deficiency, the maximum joint-and-several exposure, the homestead-protected and ERISA-protected portions excluded from collection (29 U.S.C. § 1056 ERISA anti-alienation; 11 U.S.C. § 522 federal exemptions and parallel state homestead statutes), the practical collectable base, the post-collection net worth, a community-property spousal-consent flag, and a down-payment-vs-guarantee tradeoff number — the additional borrower equity that would reduce the projected deficiency to the collectable base.

Small Business Loan DSCR Stress Test Calculator

Test a proposed small-business loan's DSCR (Debt Service Coverage Ratio = NOI ÷ annual debt service) against the kinds of revenue, cost, and rate shocks businesses actually experience over a 10- or 25-year hold. The calculator runs a nine-scenario waterfall — base case, revenue −10%, revenue −20%, COGS +5%, COGS +10%, interest +1 percentage point, interest +2 percentage points, a recession combination (revenue −10% + COGS +5%), and a severe-stress combination (revenue −20% + COGS +10% + rate +2pp) — and surfaces DSCR under each. Each scenario is flagged against a user-selectable lender threshold: 1.15 (SBA practitioner floor), 1.20 (SBA operational guidance under SOP 50 10 7.1), or 1.25 (conventional commercial). The calculator also computes a recommended cash reserve = max of six months debt service and the annual NOI shortfall under a severe-revenue scenario. Revenue-shock NOI uses a proportional-COGS assumption (variable-cost model); rate-shock debt service uses a proportional approximation that undercounts rate sensitivity on long-dated loans — both surfaced explicitly.

Small Business Working Capital — Term Loan vs LOC vs Factoring Calculator

Compare three common working-capital structures — installment term loan, revolving line of credit (LOC), and invoice factoring — on the same cash-gap profile. Inputs the monthly cash gap, expected duration of need, term-loan rate and amortization, LOC rate plus average utilization assumption plus commitment fee on the undrawn portion, factoring discount per invoice, average invoice term in days, and factoring advance rate. Computes the total cost under each structure over the duration, the term-loan monthly P&I, the LOC effective APR weighted by utilization and commitment, and the factoring effective APR (the central trap — a 2% discount on a 30-day invoice annualizes to 24.3% APR; a 4% discount on a 60-day invoice also annualizes to 24.3%). The recommendation logic compares total costs and weights duration: short-duration needs favor LOC for optionality; long-duration needs favor term loan for the lower rate; factoring is the last resort when other paths are blocked. Surfaces SBA 7(a) working-capital max term of 10 years under 13 CFR § 120.212 and the typical commitment-fee and advance-rate ranges from the practitioner literature.

SBA 7(a) Loan Payment + DSCR Calculator

Run the same two numbers SBA 7(a) lenders run on every credit memo: the fixed-rate monthly principal-and-interest payment under standard amortization, and the Debt Service Coverage Ratio (DSCR = business NOI ÷ annual debt service) — the ratio actually underwritten to under SBA Standard Operating Procedure 50 10 7.1. Inputs the loan amount, fixed-vs-variable rate election, term in years (10 for working capital, 25 for owner-occupied real estate under 13 CFR § 120.212), Wall Street Journal Prime Rate, lender spread, and business NOI. Outputs monthly P&I, total interest over the life of the loan, the current SBA guarantee fee under 13 CFR § 120.220 + SOP 50 10 7.1 (waived at 0% for loans ≤ $1M in the current fiscal year), annual debt service, DSCR against the conventional 1.15 underwriting floor, the NOI required to hit that floor, and the funding gap if NOI falls short. Variable-rate spreads are checked against the regulatory ceilings under 13 CFR § 120.214 (Prime + 6.5% on loans ≤ $50K, sliding down to Prime + 3.0% on loans > $350K).

BOI Reporting Penalty Calculator (Corporate Transparency Act)

Surface the federal penalty exposure for missing a Beneficial Ownership Information (BOI) report under the Corporate Transparency Act (31 U.S.C. § 5336) and the implementing rule at 31 CFR § 1010.380. Resolves the applicable filing deadline by formation regime — pre-2024 entities had until January 1, 2025, 2024-formation entities had 90 calendar days, and 2025-and-after-formation entities have 30 calendar days. Computes civil penalty exposure at $591/day (2025 inflation-adjusted under 31 U.S.C. § 5321), flags the criminal exposure for willful violations (fines up to $10,000 + up to 2 years imprisonment under § 5336(h)(3)), applies the 90-day safe harbor for inadvertent inaccuracies under § 5336(h)(3)(C), screens the large-operating-company exemption (more than 20 full-time U.S. employees, U.S. physical office, more than $5M gross receipts), and emits corrective-action guidance pointing at the FinCEN BOI E-Filing portal. Surfaces a verify-FinCEN-guidance caveat reflecting the ongoing post-NSBU v. Yellen litigation and interim final rules through 2024-2025.