Interactive Tool
Affordability Calculator
How much SBA loan can your business support? Enter your cash flow to find the maximum loan amount at your target DSCR.
Business Cash Flow
$1,000,000
$0$700,000
Net Operating Income (NOI)
$300,000
Revenue minus expenses
All current loan and lease payments your business makes annually
$0$0
Loan Parameters
Debt Service Coverage Ratio — how much income cushion above your debt payments
%
Maximum Affordable Loan
Max Loan Amount
$1,545,624
at 1.25x DSCR
Max Monthly Payment
$20,000
Available for Debt
$240,000/yr
Max Loan by Term Length
Find lenders for your loan size
See which lenders actively originate loans in your range — based on 1,000,000+ real SBA loan records.
Search Lenders →This calculator provides estimates based on standard amortization formulas and SBA program guidelines. Actual borrowing capacity depends on lender-specific underwriting, collateral, credit history, and business plan quality. The SBA 7(a) program caps loans at $5 million. Contact lenders directly for pre-qualification.