Business Calculators

SBA 7(a) & 504 — Qualification Check

See if your business profile meets SBA lending criteria before you apply. Covers 7(a) working capital and 504 real estate programs.

Business Profile

Years in Business

SBA requires 2+ years typically

Annual Revenue ($)

Annual Net Profit ($)

Owner Credit Score

SBA minimum ~620–650

Existing Business Debt ($/mo)

Requested Loan Amount ($)

Business Type

Industry

Any Tax Liens or Judgments?

US Citizenship / PR?

Qualification Factors

Estimated DSCR

Debt Service Coverage

—

Need ≥ 1.15 for SBA

SBA eligibility depends on many factors beyond this tool. Results are estimates. Ineligible industries include gambling, lending, and life insurance. CA DRE #01480904 · NMLS #300923

Business Line of Credit — Qualification Check

Lines of credit are based heavily on revenue, time in business, and cash flow. Check your likely eligibility and credit limit range.

Monthly Revenue ($)

Years in Business

Owner Credit Score

Avg Monthly Bank Balance ($)

Existing Business Debt ($/mo)

Any NSFs in Last 6 Months?

Likely Credit Limit

—

Estimated range

Likely Rate Range

—

APR estimate

Likely Term

—

Revolving period

Revenue Coverage

—

Limit as % of monthly rev

LOC terms vary widely by lender. Bank LOCs require strong credit and 2+ years. Online lenders may approve with 6 months in business but at higher rates.

Equipment Financing — Qualification Check

Equipment loans are asset-secured — the equipment itself is collateral, so qualification is often easier than unsecured loans.

Equipment Cost ($)

Down Payment (%)

Owner Credit Score

Time in Business (years)

Annual Revenue ($)

Equipment Type

Loan Amount

—

After down payment

Est. Rate Range

—

APR

Typical Term

—

Years

Down Payment

—

Required upfront

Equipment financing is asset-secured. Newer businesses and lower credit scores are often accepted with a larger down payment or co-signer.

Business Acquisition Loan — Qualification Check

Buying an existing business? SBA 7(a) is the most common path. Check if the deal structure and your profile work together.

Purchase Price ($)

Down Payment ($)

Business Annual Revenue ($)

Business Annual Net Profit ($)

Owner Credit Score

Your Industry Experience

Business Years of Operation

Real Estate Included?

Loan Amount

—

After down payment

Business DSCR

—

Need ≥ 1.15

Price / Earnings

—

Multiple

Down Payment %

—

SBA needs 10%+

Business acquisitions financed through SBA 7(a) typically require 10% down, 2-year management agreement from seller, and 3 years of business tax returns.

Invoice / AR Financing — Qualification Check

Turn unpaid invoices into immediate cash. Qualification is based on your customers’ creditworthiness, not just yours.

Monthly Invoices Outstanding ($)

Average Invoice Age (days)

Number of Active Customers

Your Business Credit Score

Less critical — customers matter more

Customer Type

Time in Business (years)

Advance Amount

—

Up to 80–90% of invoices

Factor Rate

—

Per 30 days

Reserve Released

—

When customer pays

Est. Monthly Fee

—

Cost of financing

Invoice financing and factoring are separate products. Factoring sells invoices outright; financing uses them as collateral. B2B and government invoices are preferred by most lenders.

Overall Business Loan Readiness Score

Get a holistic view of your business lending profile across 6 key dimensions — and see exactly where to improve.

Personal Credit Score

Years in Business

Annual Revenue ($)

Annual Net Profit ($)

Monthly Business Debt Payments ($)

Avg Bank Balance (months of expenses)

Any Bankruptcies (last 7 yrs)?

Collateral Available?

Business Loan Readiness

—

This score is for planning purposes only and does not represent an actual credit decision. Contact SI MTG for a full assessment.

SBA 7(a) Payment Calculator

Estimate monthly payments for SBA 7(a) loans — including the guarantee fee and both fixed and variable rate scenarios.

Loan Amount ($)

Interest Rate (%)

Current Prime ~8.5% + 2.75% spread

Loan Term (years)

Down Payment (%)

Use of Funds

Guarantee Fee

Monthly Payment

—

Principal + Interest

Down Payment

—

Required equity injection

SBA Guarantee Fee

—

One-time (rolled in)

Total Interest Paid

—

Over loan life

If Prime Rises +1%

—

Payment at higher rate

If Prime Falls -1%

—

Payment at lower rate

Year	Principal	Interest	Balance

SBA 7(a) variable rate = WSJ Prime + negotiated spread (max 2.75% for loans over $50k). Prime rate fluctuates — verify current rate. Guarantee fee varies by loan size. CA DRE #01480904 · NMLS #300923

Business Line of Credit — Cost Calculator

Model your draw amount, interest cost, and payoff timeline for a revolving business line of credit.

Credit Limit ($)

Amount Drawn ($)

Annual Interest Rate (%)

Monthly Payment Strategy

Monthly Payment / Target Months ($)

Monthly Draw (ongoing) ($)

0 if not drawing more

Monthly Interest

—

On current draw

Payoff Timeline

—

At current payment

Total Interest Cost

—

To pay off draw

Utilization Rate

—

Of credit limit

LOC interest accrues daily on the outstanding balance. Minimum payments vary by lender. High utilization (above 70%) may affect business credit scores.

Equipment Loan Payment Calculator

Calculate monthly payments, total cost of ownership, and compare loan vs. lease for your equipment purchase.

Equipment Cost ($)

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Est. Monthly Revenue from Equipment ($)

Est. Monthly Operating Cost ($)

Monthly Payment

—

P&I

Net Monthly Profit

—

Revenue minus costs

Payback Period

—

From equipment profit

Total Interest

—

Cost of borrowing

Revenue and cost estimates are user-provided. Actual results will vary. Equipment loan rates depend on credit, time in business, and equipment type.

Business Acquisition Loan Payment

Model SBA 7(a) acquisition loan payments and see if the acquired business cash flows cover its own debt service.

Purchase Price ($)

Down Payment ($)

Seller Note ($)

If seller is financing part

SBA Loan Rate (%)

Loan Term (years)

Business Annual SDE ($)

Seller’s Discretionary Earnings

SBA Monthly Payment

—

P&I

Business DSCR

—

SDE ÷ Annual Debt Service

Annual Debt Service

—

Total yearly payments

Monthly Cash Left

—

After debt service

SDE = net profit + owner salary + depreciation + interest. Most SBA lenders require DSCR ≥ 1.15. Seller notes may need to be on standby for 2 years.

Invoice Financing — True Cost Calculator

Understand the real cost of invoice factoring and AR financing — convert factor rates to APR so you can compare fairly.

Invoice Amount ($)

Advance Rate (%)

Typically 70–90%

Factor Rate (per 30 days %)

Typical: 1.5–5% per 30 days

Expected Collection Time (days)

Additional Fees ($)

Origination, wire, etc.

Number of Invoices / Month

Cash Advanced

—

Immediate funding

Total Fee

—

Factor cost + fees

Net Received

—

Reserve minus fees

Effective APR

—

True annualized cost

Monthly Financing Cost (at stated volume)

—

Total fees per month if all invoices factored

Factor rates convert to high APRs on short terms. Invoice financing is appropriate for cash flow gaps, not long-term capital. Compare carefully against a line of credit.

Maximum SBA Loan Amount

Based on your business cash flow, see the maximum SBA loan your business can support at current rates.

Annual Net Operating Income ($)

Existing Annual Debt Service ($)

Target DSCR

Interest Rate (%)

Loan Term (years)

SBA Program Cap ($M)

Max Monthly Payment

—

At target DSCR

Available Debt Service

—

After existing debt

Required Down Payment

—

At 10% SBA minimum

SBA Program Cap

—

Program maximum

Maximum loan is limited by the lesser of cash flow support and SBA program cap. Actual approval depends on collateral, credit, and lender guidelines.

Maximum Business Line of Credit

Lenders typically size LOCs at 10–20% of annual revenue, adjusted for time in business, credit, and cash flow.

Annual Revenue ($)

Average Monthly Bank Balance ($)

Owner Credit Score

Years in Business

Current LOC Balance ($)

Industry

Bank LOC (likely)

—

Traditional bank

Online Lender LOC

—

Faster approval

SBA CAPLine

—

SBA revolving LOC

Est. Rate Range

—

APR

LOC limits vary by lender and underwriting criteria. Bank LOCs require stronger profiles; online lenders move faster but charge higher rates. SBA CAPLine up to $5M for qualifying businesses.

Maximum Equipment Loan

Equipment loans are primarily limited by equipment value (LTV) and ability to service the debt from business cash flow.

Equipment Purchase Price ($)

Equipment Type

Owner Credit Score

Annual Revenue ($)

Time in Business (years)

New or Used?

Max LTV

—

Of equipment value

Min Down Payment

—

Required upfront

Est. Monthly Payment

—

At 7.5% / 5 yr

Est. Rate

—

APR estimate

Equipment LTV and rates vary by lender, equipment type, and credit profile. Used equipment typically financed at lower LTV than new.

Compare All Borrowing Options

Enter your business profile once and see estimated maximum amounts across every loan type — so you can choose the best path.

Annual Revenue ($)

Annual Net Profit ($)

Owner Credit Score

Years in Business

Monthly Bank Balance ($)

Collateral

Your Estimated Borrowing Power by Product

Loan Type	Max Amount	Est. Rate	Best For	Difficulty

All amounts are estimates based on typical lender guidelines. Actual approvals depend on detailed underwriting. Contact SI MTG for a personalized assessment.

SBA Loan Document Checklist

Check off items as you gather them. Required items must be submitted. Conditional items depend on your situation. Optional items strengthen your application.

💡 SI MTG SBA Coaching

We prepare your complete SBA package — business plan, projections, lender narrative. First-time SBA borrowers coached start to finish. No experience required.

Business Line of Credit — Document Checklist

LOC requirements vary by lender. Banks require more; online lenders often need just 3–6 months of bank statements.

Equipment Loan — Document Checklist

Equipment financing is among the fastest to close — often 2–5 business days with the right documents ready.

Business Acquisition — Document Checklist

Acquiring a business requires documents from both buyer and seller. This is the most document-intensive loan type — start gathering early.

Invoice / AR Financing — Document Checklist

Invoice financing is among the fastest to set up — often approved in 24–72 hours once accounts are verified.

Business Loan Calculators