Model your deal before you pick up the phone. Estimate SBA loan payments, check your DSCR qualification, or structure a full business acquisition capital stack — all free, all instant.
Each tool is built for a specific deal type. Pick the one that matches your situation and get instant results.
SBA 7(a) & 504 Programs
Estimate monthly payments, total interest, and SBA guarantee fees for loans from $50K to $5M. Compare SBA 7(a) variable rates against SBA 504 fixed rates side by side.
Best For
Business owners exploring SBA financing for acquisitions, real estate, equipment, or working capital.
Investment Property Loans
Calculate your Debt Service Coverage Ratio for rental properties. DSCR loans qualify on the property’s income — no personal tax returns, no W-2s, no employment verification required.
Best For
Real estate investors, self-employed borrowers, and portfolio landlords who want income-based qualification.
Full Capital Stack Modeling
Model the complete financing structure for buying a business. Combine SBA 7(a), seller notes, mezzanine debt, and equity injection to see how the deal pencils — including DSCR, cash-on-cash return, and feasibility.
Best For
Entrepreneurs buying a business, search fund operators, and franchise buyers structuring acquisition deals from $100K to $25M.
Answer 2–3 quick questions and we'll point you to the right tool for your deal.
Question 1
Quick comparison to help you pick the right tool for your deal.
SBA Loan Calculator | DSCR Calculator | Acquisition Calculator | |
|---|---|---|---|
| Deal Type | Business purchase, expansion, real estate, equipment | Investment rental property | Business acquisition (full capital stack) |
| Loan Range | $50K – $5M | $100K – $5M+ | $100K – $25M |
| Income Docs Required | Yes — tax returns, financials | No — property income only | Yes — business EBITDA |
| Key Metric | Monthly payment & guarantee fee | DSCR ratio (1.0x+ to qualify) | DSCR, cash-on-cash, feasibility |
| Financing Sources | SBA 7(a) or 504 | DSCR lender (non-QM) | SBA + seller note + mezz + equity |
| Best For | Business owners & operators | Real estate investors | Acquisition entrepreneurs |
Deal Type
SBA: Business purchase, expansion, real estate, equipment
DSCR: Investment rental property
Acquisition: Business acquisition (full capital stack)
Loan Range
SBA: $50K – $5M
DSCR: $100K – $5M+
Acquisition: $100K – $25M
Income Docs Required
SBA: Yes — tax returns, financials
DSCR: No — property income only
Acquisition: Yes — business EBITDA
Key Metric
SBA: Monthly payment & guarantee fee
DSCR: DSCR ratio (1.0x+ to qualify)
Acquisition: DSCR, cash-on-cash, feasibility
Financing Sources
SBA: SBA 7(a) or 504
DSCR: DSCR lender (non-QM)
Acquisition: SBA + seller note + mezz + equity
Best For
SBA: Business owners & operators
DSCR: Real estate investors
Acquisition: Acquisition entrepreneurs
Our advisors have structured hundreds of deals from $500K to $25M+. Once you’ve run the numbers, we’ll show you which lenders fit your deal and make the introduction directly. No upfront fees.
Walking into a lender meeting without knowing your numbers is like showing up to a negotiation without a term sheet. Commercial lending calculators give you the baseline data you need to evaluate whether a deal works before you commit time and money to the application process. At PeerSense, we built these tools because too many borrowers waste weeks chasing financing that was never going to pencil.
The SBA Loan Calculator handles both SBA 7(a) and SBA 504 programs. It factors in the SBA guarantee fee — which ranges from 0% on loans under $150K to 3.5% on loans above $1M — and shows you the true cost of borrowing, not just the monthly payment. If you are buying commercial real estate, equipment, or refinancing existing debt, this is where you start.
DSCR loans qualify based on the property’s rental income, not your personal income. The DSCR Calculator tells you whether your property’s net operating income covers the proposed debt service at a ratio lenders will accept — typically 1.0x minimum, with 1.25x preferred. It also estimates the maximum loan amount your property can support, so you know your ceiling before you shop rates.
Buying a business is rarely one loan. The Business Acquisition Calculator lets you layer SBA 7(a) debt, seller notes, mezzanine financing, and equity injection to see the full picture. It calculates DSCR, cash-on-cash return, buyer’s out-of-pocket costs, and a feasibility indicator that tells you whether the deal structure will pass lender scrutiny. If you are buying a business for $500K to $25M, this is the tool that shows you how to finance it.
Lenders evaluate three things: ability to repay (DSCR and cash flow), collateral coverage (asset value vs- loan amount), and borrower strength (credit, experience, liquidity). Our calculators focus on the first — because if the cash flow does not work, the rest does not matter. A DSCR below 1.25x on an SBA deal or below 1.0x on a DSCR rental loan means the deal needs restructuring before it goes to underwriting.
When you book a call with our team, we start with the same math these calculators produce. The difference is we know which of our 500+ lending partners will actually approve your deal at those numbers. We handle the introduction, the packaging, and the negotiation — and you pay nothing until your deal closes. That is commercial lending done right.
Disclaimer: These calculators provide estimates for educational purposes only. Actual loan terms, rates, and qualification requirements vary by lender and are subject to underwriting. PeerSense is a commercial lending firm and not a direct lender. Contact us for a personalized deal assessment.