Simple SBA Payment Estimator

What this tool does

Estimates monthly principal and interest for a loan. If you enter NOI (net operating income), it calculates DSCR (debt service coverage ratio). Ballpark only; consult a lender for actual terms. Not financial advice. Not AI-powered.

When to use it

• Quick ballpark of monthly P&I for a loan amount and rate
• Checking if NOI supports a given loan (DSCR)
• Comparing scenarios (different term or rate)

Inputs explained

• Loan amount – Principal in dollars.
• Annual rate – Interest rate as a percent.
• Term (years) – Loan term. Affects monthly payment.
• Annual NOI – (Optional) Net operating income for DSCR. If entered, tool shows DSCR.

How to use it

1. Enter loan amount, rate, term. Optionally enter annual NOI for DSCR.
2. Review monthly P&I and, if applicable, DSCR. Use scenario toggles to compare.

Common mistakes

• Treating the result as an actual loan offer (lenders use their own terms and fees)
• Mixing annual and monthly numbers

Use it with AI

This tool is not AI-powered. It is a calculator. You can use the results with an AI assistant in these ways:

• Paste the P&I and DSCR and ask for a one-paragraph summary of affordability.
• Ask an AI to list 5 questions to ask a lender based on your scenario.
• Use the AI Toolkit and Founder Ops AI Workflow or Vendor Eval Scorecard for deal workflows.

Explore the AI Toolkit and Vendor Eval Scorecard for more.

Related tools

• Deal Teaser Analyzer
• Offer / LOI Outline Generator
• Loan / Debt Payoff Calculator
• SaaS ROI Deal Analyzer

Related glossary terms

• Principal
• Interest rate
• Amortization

FAQ

What is DSCR?

Debt service coverage ratio. NOI divided by annual debt service.

Is this accurate?

It is a ballpark. Lenders use their own terms and fees.

Does it include fees?

No. Only principal and interest.