PackageMyLoan / numbers first
Do the payment and coverage numbers work?
Enter the loan amount, repayment term, expected rate, annual revenue, and annual operating costs. The free check turns those five inputs into a repayment picture you can inspect before you decide whether to continue.
Free calculation
Need a starting point?
Try a fictional example, then replace it with your own numbers. These are not averages or benchmarks.
Your numbers look strong
After your listed operating costs, the business has enough modeled income to cover the first-year loan payments at 3.68x.
Keep the payment, costs, and revenue assumptions current as you compare financing options.
Monthly payment
$3,959
Year 1 loan payments
$47,509
Coverage ratio, or DSCR
3.68x
What DSCR means
What if
Change one assumption
Each choice updates the result and keeps your other inputs unchanged.
Checkable math
Income beside debt service
We show the arithmetic so you can check it. Your lender can check the same inputs and comparisons; the technical ratio is only a shorthand for the visible numbers.
1.25x is a common reference point, not a lender requirement or approval threshold.
Your modeled operating income is larger than the first year debt service.
| Period | Opening | Payment | Interest | Principal | Closing |
|---|---|---|---|---|---|
| 1 | $250,000 | $3,959 | $1,771 | $2,188 | $247,812 |
| 2 | $247,812 | $3,959 | $1,755 | $2,204 | $245,608 |
| 3 | $245,608 | $3,959 | $1,740 | $2,219 | $243,389 |
| 4 | $243,389 | $3,959 | $1,724 | $2,235 | $241,153 |
| 5 | $241,153 | $3,959 | $1,708 | $2,251 | $238,902 |
| 6 | $238,902 | $3,959 | $1,692 | $2,267 | $236,636 |
| 7 | $236,636 | $3,959 | $1,676 | $2,283 | $234,353 |
| 8 | $234,353 | $3,959 | $1,660 | $2,299 | $232,053 |
| 9 | $232,053 | $3,959 | $1,644 | $2,315 | $229,738 |
| 10 | $229,738 | $3,959 | $1,627 | $2,332 | $227,406 |
| 11 | $227,406 | $3,959 | $1,611 | $2,348 | $225,058 |
| 12 | $225,058 | $3,959 | $1,594 | $2,365 | $222,693 |
Scroll horizontally to view all schedule columns.
Showing 12 of 84 payments. The full schedule retires $250,000 of principal, with a final payment of $3,959.
How to read this, and check the math
Debt service means the modeled principal and interest payments for the loan. DSCR compares those payments with the income left after your listed operating costs. It is a planning reference only and does not predict approval, funding, or business performance.
No approval promise: This result is not a loan approval, commitment, recommendation, or guarantee.
No forecast: Illustrative comparisons are not forecasts and do not predict lender decisions or business results.
User assumptions: Results are driven by the inputs you provide and are not financial, accounting, tax, or legal advice.
You now know the modeled payment and coverage. The next step is to organize where the borrowed money goes and make sure every dollar reconciles to what you asked for. That is the $499 package, and you can read a complete one free before you decide.
Continue to the $499 packageYour calculator values can carry into the application without an account or required email. Backed by the reconciliation guarantee.