Commercial real estate loan calculator
See what a commercial property loan costs each month.
Estimate your monthly payment and the property’s debt service coverage ratio (DSCR), the number most commercial lenders check first.
- No impact to your credit score
- Personalized review
- No obligation to move forward
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Estimate your commercial real estate loan
See an estimated monthly payment and the property’s debt service coverage ratio (DSCR). Every field is editable; the rate is only an example.
An example, not a quote.
Property income minus operating expenses, before debt payments.
Your estimate
Many commercial lenders look for a DSCR of about 1.20x–1.25x or higher, but requirements vary by lender and property. Illustrative estimate, not an offer or approval.
Review this scenario with an advisorThe plan
Turn the estimate into a real option
- 01
Start your Capital Review
Share your goal and a few basics in minutes. Checking your options doesn’t impact your credit score.
- 02
We review the full picture
Your business, property, cash flow, and current debt, together. A PrimeNova team member typically reviews within 1 business day.
- 03
Move forward with clarity
You see the paths that may fit, what each one would take, and you decide. No pressure.
No credit impact to check options · No obligation to move forward
Questions owners ask
CRE calculator questions
What is DSCR?
Debt service coverage ratio = the property’s annual net operating income ÷ annual loan payments. A DSCR of 1.25x means the property earns 25% more than its debt payments. Many commercial lenders look for about 1.20x–1.25x or higher, but requirements vary.
What’s the difference between amortization and term?
Amortization is the schedule used to calculate payments (for example, 25 years). Many commercial loans have a shorter term, with the remaining balance due or refinanced at the end.
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PrimeNova Financial is the customer-facing brand of PrimeNova Solutions, a licensed business finance consulting firm. Financing may be provided by PrimeNova or through our lending and capital partners, depending on the program. This is not a commitment to lend. All rates, terms, and approvals depend on underwriting, eligibility, and program guidelines. Checking your options on this site does not impact your credit score. Information on this site is for general education and does not constitute financial, legal, or tax advice.