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 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.