Model your deal before you pick up the phone. Estimate SBA loan payments, check your DSCR qualification, or structure a full business acquisition capital stack — all free, all instant.
Each tool is built for a specific deal type. Pick the one that matches your situation and get instant results.
SBA 7(a) & 504 Programs
Estimate monthly payments, total interest, and SBA guarantee fees for loans from $50K to $5M. Compare SBA 7(a) variable rates against SBA 504 fixed rates side by side.
Best For
Business owners exploring SBA financing for acquisitions, real estate, equipment, or working capital.
SBA 504 50/40/10 Structure
Model the full SBA 504 capital stack — bank first mortgage (50%, 25-yr conventional), CDC second (40%, 25-yr SBA debenture fixed), borrower equity (10%). Outputs blended rate, monthly P&I per tranche, total monthly payment, total interest paid over term.
Best For
Owner-operators acquiring or building commercial real estate, manufacturing facilities, or heavy equipment financed through the SBA 504 program.
Investment Property Loans
Calculate your Debt Service Coverage Ratio for rental properties. DSCR loans qualify on the property’s income — no personal tax returns, no W-2s, no employment verification required.
Best For
Real estate investors, self-employed borrowers, and portfolio landlords who want income-based qualification.
Full Capital Stack Modeling
Model the complete financing structure for buying a business. Combine SBA 7(a), seller notes, mezzanine debt, and equity injection to see how the deal pencils — including DSCR, cash-on-cash return, and feasibility.
Best For
Entrepreneurs buying a business, search fund operators, and franchise buyers structuring acquisition deals from $100K to $25M.
2026 Maturity Wall Pricing
Estimate Treasury basket cost for paying off your CMBS loan. Models defeasance premium, total cost including consultant fees, and yield maintenance comparison. Built for borrowers facing the $200B+ 2026 maturity wall.
Best For
CMBS borrowers facing maturity, considering early payoff, sale, or refinance — when defeasance cost can swing the decision economics.
Twelve deal-specific tools for sponsors and brokers who need to pre-clear a specific underwriting metric before formal lender submission. Each runs in your browser — no signup, instant results.
The metric CMBS conduits care about most. Test your NOI ÷ Loan against property-type debt-yield floors before formal application.
Will your stabilized NOI clear CMBS DSCR / LTV / debt-yield gates? Test before you commit to the bridge.
8 questions screen for the most common SBA 7(a) blockers — pass/fail in 2 minutes vs. weeks of late-process declines.
Max loan from your flag, RevPAR, ADR, and occupancy against hotel CMBS DSCR + LTV gates.
Brand-mandated PIP capex by tier and depth — plus the bridge + CMBS-takeout capital stack to fund it.
Test your multifamily NOI against agency / CMBS / bank programs and see which one sizes the largest loan.
Cash + PIK + warrant structure — model effective APR + total cost on a real mezz term sheet.
AR + finished goods + raw materials + equipment OLV at industry-standard advance rates → facility availability.
True APR by industry, advance rate, fee structure, and aging — see when factoring beats ABL.
Industry-specific SDE / EBITDA multiples adjusted for recurring revenue, customer concentration, and growth.
Hyperscaler / colo / enterprise — capacity-tier capex, capital stack, and senior + mezz sizing for data center build/buy.
Q4 equipment buy with Section 179 + bonus depreciation — first-year deduction limit + tax savings estimate.
Answer 2–3 quick questions and we'll point you to the right tool for your deal.
Question 1
Select up to 3 loan types to compare features, rates, and requirements. Choose a scenario to see which loan best fits your needs.
3/3 selected
| Feature | SBA 7(a) | DSCR Loan | Bridge Loan |
|---|---|---|---|
| 💰Loan Range | $50K - $5M | $75K - $5M+ | $100K - $20M+ |
| 📊Typical Rate | Prime + 2.25% - 2.75% | 5-Yr Treasury + 2.65% - 4% | 8% - 12% |
| 📅Term Options | 10 or 25 years | 30 years (IO available) | 6 - 24 months |
| 💵Down Payment | 10% - 20% | 20% - 25% | 20% - 35% |
| 📄Income Docs | Full tax returns required | No personal income docs | Minimal documentation |
| ⏱️Time to Close | 45 - 90 days | 21 - 45 days | 7 - 21 days |
| 🎯Best Use Case | Business acquisition, working capital, equipment | Rental property investment, portfolio expansion | Quick acquisition, rehab, refinance bridge |
| ✓Key Qualification | Credit 680+, 2 years in business | DSCR ≥ 1.0, property cash flow | Exit strategy, equity position |
| ⚠️Prepayment Penalty | Yes, first 3 years | Varies by lender | Usually none |
| Learn More | View Details | View Details | View Details |
Still not sure which loan type is right for you?
Our advisors have structured hundreds of deals from $500K to $25M+. Once you’ve run the numbers, we’ll show you which lenders fit your deal and make the introduction directly. No retainers.
Walking into a lender meeting without knowing your numbers is like showing up to a negotiation without a term sheet. Commercial lending calculators give you the baseline data you need to evaluate whether a deal works before you commit time and money to the application process. At PeerSense, we built these tools because too many borrowers waste weeks chasing financing that was never going to pencil.
The SBA Loan Calculator handles both SBA 7(a) and SBA 504 programs. It factors in the SBA guarantee fee — which ranges from 0% on loans under $150K to 3.5% on loans above $1M — and shows you the true cost of borrowing, not just the monthly payment. If you are buying commercial real estate, equipment, or refinancing existing debt, this is where you start.
DSCR loans qualify based on the property’s rental income, not your personal income. The DSCR Calculator tells you whether your property’s net operating income covers the proposed debt service at a ratio lenders will accept — typically 1.0x minimum, with 1.25x preferred. It also estimates the maximum loan amount your property can support, so you know your ceiling before you shop rates.
Buying a business is rarely one loan. The Business Acquisition Calculator lets you layer SBA 7(a) debt, seller notes, mezzanine financing, and equity injection to see the full picture. It calculates DSCR, cash-on-cash return, buyer’s out-of-pocket costs, and a feasibility indicator that tells you whether the deal structure will pass lender scrutiny. If you are buying a business for $500K to $25M, this is the tool that shows you how to finance it.
Lenders evaluate three things: ability to repay (DSCR and cash flow), collateral coverage (asset value vs- loan amount), and borrower strength (credit, experience, liquidity). Our calculators focus on the first — because if the cash flow does not work, the rest does not matter. A DSCR below 1.25x on an SBA deal or below 1.0x on a DSCR rental loan means the deal needs restructuring before it goes to underwriting.
When you book a call with our team, we start with the same math these calculators produce. The difference is we know which of our 500+ lending partners will actually approve your deal at those numbers. We handle the introduction, the packaging, and the negotiation — and our referral fee is agreed upon upfront and paid at closing. No retainers. That is commercial lending done right.
Disclaimer: These calculators provide estimates for educational purposes only. Actual loan terms, rates, and qualification requirements vary by lender and are subject to underwriting. PeerSense is a commercial lending firm and not a direct lender. Contact us for a personalized deal assessment.