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Business loan affordability

The largest loan your income supports at the coverage lenders want, its payment, and whether your amount fits. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Will the business repay this loan from its own income?

This is the test lenders use for business loans: income ÷ loan payments. It doesn’t fit a loan repaid from selling something, a personal loan or a home mortgage.

Lenders use the same test for all of them: can the business’s income cover every loan payment with room to spare?
Net operating income is what the business earns before loan payments, depreciation and taxes. Not sure? Start from your profit: lenders do the same.
Net profit from your tax return or your Profit & Loss report, before income tax. For example, 110,000. A loss? Enter 0.
Do you want to add back costs that don’t take cash or won’t come back?

Lenders add back depreciation, the interest on loans, owner pay above a normal salary and one-time costs: that money is there to make loan payments.

Does the business already make payments on other loans or leases?

Lenders count every payment the business will still make after the new loan.

Debt coverage is income ÷ loan payments. 1.25 means $1.25 of income for every $1.00 of payments. Ask the lender if you aren’t sure.
The yearly rate on the offer, not the APR. For example, 9.5. An SBA 7(a) rate is usually the prime rate plus a few points.
A longer term lowers the payment, so you can borrow more. SBA 7(a) loans run up to 10 years for equipment and working capital and up to 25 years for real estate.
Do you have a loan amount in mind?

Answer No to see only the largest loan that fits.

Your answer shows up here.

Answer the questions, then press Calculate.
Or load example numbers to see how it works.

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Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.