A newer version of your browser is available. Older versions may limit your ability to access some of this site's functionality. Citizens Bank recommends upgrading your browser.

Learn More

Download the newest version of Microsoft Internet Explorer




Financial Calculators from
Dinkytown.net

Financial Calculators ©1998-2015 KJE Computer Solutions, LLC









Commercial Loan Calculator
New commercial loan:
Press spacebar to hide inputs
Monthly payment $1,266.76
[-]
$0k
$200k
$500k
$1m
0%
8%
16%
25%
0
10
20
30
Your annual income:
Press spacebar to show inputs
Total $0
[+]
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
Your monthly obligations:
Press spacebar to show inputs
Total $0
[+]
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
$0k
$200k
$500k
$1m
Please view the report to see detailed results in tabular form.
You probably do not qualify.
Unfortunately your debt service coverage of 0 is not more than 1.25. You would probably not be able to qualify for for the loan, considering the information you have given.

press spacebar to hide graph
[-]

Definitions

New loan amount
Total amount of your loan.
Amortization in years
Payment period in years.
Interest rate
Annual interest rate for this loan. Interest is calculated monthly on the current outstanding balance of your loan at 1/12 of the annual rate.
New monthly payment
Monthly payment for this loan.
Annual verifiable net income
Your annual net income from IRS tax returns or other financial statements.
Annual depreciation expense
Since depreciation reduces your net income, but not your cash flow, we add back depreciation in calculating your total net cash income.
Other non-cash charges
Like depreciation, these are other non-cash charges to your net income that should be added back to calculate your total net cash income for the year.
Real estate mortgage
Your monthly payment for any real estate mortgages.
Business line of credit
Your monthly payment for any business lines of credit.
Auto loans
Your monthly payment for any auto loans.
Credit cards
Your monthly payment for any credit cards.
Other loans
Your monthly payment for any other outstanding loans.
Monthly debt payments eliminated
Enter the amount, if any, of the monthly obligations you entered above that will be paid off by this new loan.
Debt service coverage (DSC)
The debt service coverage is determined by dividing the total annual net cash income by the total annual debt service. If you have a DSC of 1.25 or higher, there is a good chance that you will be approved for your loan.

#Json=Label_Lookup|Brand=citizensbank|ApplyToParentElement=|TargetElementType=|TargetElementId=|Key=Personalize your experience.#

May We Suggest

#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=MAYWESUGGEST_TEXT#