Commercial Loan Calcluator

What is a commercial loan?

How does a commercial loan work?

Types of Commercial Loans

How to get a commercial loan?

1. Business Line of Credit

2. Equipment Loan

3. Commercial Real Estate Loan

4. Construction Loan

5. Hard Money Loan

6. Bridge Loan

7. SBA Loan

Commercial Loan Calcluator is used to calculate the monthly loan payments for your commercial property or business. This business loan calculator is useful for investors who are investing in real estate.

Commercial Mortgage Calculator
Loan Amount
Loan Terms	years
Interest Rate
Balloon Payment Due	years
First Payment Date
Amortization schedule	Show By Month Show By Year

Payment Date	Payment #	Interest Paid	Principal Paid	Total Payment	Remaining Balance
Commercial Loan Amortization Schedule
Mar, 2023	1	$704.17	$771.96	$1,476.12	$129,228.04
Apr, 2023	2	$699.99	$776.14	$1,476.12	$128,451.90
May, 2023	3	$695.78	$780.34	$1,476.12	$127,671.56
Jun, 2023	4	$691.55	$784.57	$1,476.12	$126,886.99
Jul, 2023	5	$687.30	$788.82	$1,476.12	$126,098.17
Aug, 2023	6	$683.03	$793.09	$1,476.12	$125,305.08
Sep, 2023	7	$678.74	$797.39	$1,476.12	$124,507.69
Oct, 2023	8	$674.42	$801.71	$1,476.12	$123,705.99
Nov, 2023	9	$670.07	$806.05	$1,476.12	$122,899.94
Dec, 2023	10	$665.71	$810.42	$1,476.12	$122,089.52
Jan, 2024	11	$661.32	$814.81	$1,476.12	$121,274.72
Feb, 2024	12	$656.90	$819.22	$1,476.12	$120,455.50
Mar, 2024	13	$652.47	$823.66	$1,476.12	$119,631.84
Apr, 2024	14	$648.01	$828.12	$1,476.12	$118,803.72
May, 2024	15	$643.52	$832.60	$1,476.12	$117,971.12
Jun, 2024	16	$639.01	$837.11	$1,476.12	$117,134.01
Jul, 2024	17	$634.48	$841.65	$1,476.12	$116,292.36
Aug, 2024	18	$629.92	$846.21	$1,476.12	$115,446.15
Sep, 2024	19	$625.33	$850.79	$1,476.12	$114,595.36
Oct, 2024	20	$620.72	$855.40	$1,476.12	$113,739.96
Nov, 2024	21	$616.09	$860.03	$1,476.12	$112,879.93
Dec, 2024	22	$611.43	$864.69	$1,476.12	$112,015.24
Jan, 2025	23	$606.75	$869.37	$1,476.12	$111,145.86
Feb, 2025	24	$602.04	$874.08	$1,476.12	$110,271.78
Mar, 2025	25	$597.31	$878.82	$1,476.12	$109,392.96
Apr, 2025	26	$592.55	$883.58	$1,476.12	$108,509.38
May, 2025	27	$587.76	$888.36	$1,476.12	$107,621.02
Jun, 2025	28	$582.95	$893.18	$1,476.12	$106,727.84
Jul, 2025	29	$578.11	$898.01	$1,476.12	$105,829.83
Aug, 2025	30	$573.24	$902.88	$1,476.12	$104,926.95
Sep, 2025	31	$568.35	$907.77	$1,476.12	$104,019.18
Oct, 2025	32	$563.44	$912.69	$1,476.12	$103,106.49
Nov, 2025	33	$558.49	$917.63	$1,476.12	$102,188.86
Dec, 2025	34	$553.52	$922.60	$1,476.12	$101,266.26
Jan, 2026	35	$548.53	$927.60	$1,476.12	$100,338.66
Feb, 2026	36	$543.50	$932.62	$1,476.12	$99,406.04
Mar, 2026	37	$538.45	$937.67	$1,476.12	$98,468.37
Apr, 2026	38	$533.37	$942.75	$1,476.12	$97,525.61
May, 2026	39	$528.26	$947.86	$1,476.12	$96,577.75
Jun, 2026	40	$523.13	$952.99	$1,476.12	$95,624.76
Jul, 2026	41	$517.97	$958.16	$1,476.12	$94,666.60
Aug, 2026	42	$512.78	$963.35	$1,476.12	$93,703.26
Sep, 2026	43	$507.56	$968.56	$1,476.12	$92,734.69
Oct, 2026	44	$502.31	$973.81	$1,476.12	$91,760.88
Nov, 2026	45	$497.04	$979.09	$1,476.12	$90,781.80
Dec, 2026	46	$491.73	$984.39	$1,476.12	$89,797.41
Jan, 2027	47	$486.40	$989.72	$1,476.12	$88,807.69
Feb, 2027	48	$481.04	$995.08	$1,476.12	$87,812.60
Mar, 2027	49	$475.65	$1,000.47	$1,476.12	$86,812.13
Apr, 2027	50	$470.23	$1,005.89	$1,476.12	$85,806.24
May, 2027	51	$464.78	$1,011.34	$1,476.12	$84,794.90
Jun, 2027	52	$459.31	$1,016.82	$1,476.12	$83,778.08
Jul, 2027	53	$453.80	$1,022.33	$1,476.12	$82,755.76
Aug, 2027	54	$448.26	$1,027.86	$1,476.12	$81,727.89
Sep, 2027	55	$442.69	$1,033.43	$1,476.12	$80,694.46
Oct, 2027	56	$437.10	$1,039.03	$1,476.12	$79,655.43
Nov, 2027	57	$431.47	$1,044.66	$1,476.12	$78,610.78
Dec, 2027	58	$425.81	$1,050.32	$1,476.12	$77,560.46
Jan, 2028	59	$420.12	$1,056.00	$1,476.12	$76,504.46
Feb, 2028	60	$414.40	$1,061.72	$1,476.12	$75,442.73
Mar, 2028	61	$408.65	$1,067.48	$1,476.12	$74,375.26
Apr, 2028	62	$402.87	$1,073.26	$1,476.12	$73,302.00
May, 2028	63	$397.05	$1,079.07	$1,476.12	$72,222.93
Jun, 2028	64	$391.21	$1,084.92	$1,476.12	$71,138.01
Jul, 2028	65	$385.33	$1,090.79	$1,476.12	$70,047.22
Aug, 2028	66	$379.42	$1,096.70	$1,476.12	$68,950.52
Sep, 2028	67	$373.48	$1,102.64	$1,476.12	$67,847.88
Oct, 2028	68	$367.51	$1,108.61	$1,476.12	$66,739.26
Nov, 2028	69	$361.50	$1,114.62	$1,476.12	$65,624.64
Dec, 2028	70	$355.47	$1,120.66	$1,476.12	$64,503.99
Jan, 2029	71	$349.40	$1,126.73	$1,476.12	$63,377.26
Feb, 2029	72	$343.29	$1,132.83	$1,476.12	$62,244.43
Mar, 2029	73	$337.16	$1,138.97	$1,476.12	$61,105.46
Apr, 2029	74	$330.99	$1,145.14	$1,476.12	$59,960.33
May, 2029	75	$324.79	$1,151.34	$1,476.12	$58,808.99
Jun, 2029	76	$318.55	$1,157.58	$1,476.12	$57,651.41
Jul, 2029	77	$312.28	$1,163.85	$1,476.12	$56,487.57
Aug, 2029	78	$305.97	$1,170.15	$1,476.12	$55,317.42
Sep, 2029	79	$299.64	$1,176.49	$1,476.12	$54,140.93
Oct, 2029	80	$293.26	$1,182.86	$1,476.12	$52,958.07
Nov, 2029	81	$286.86	$1,189.27	$1,476.12	$51,768.80
Dec, 2029	82	$280.41	$1,195.71	$1,476.12	$50,573.09
Jan, 2030	83	$273.94	$1,202.19	$1,476.12	$49,370.91
Feb, 2030	84	$267.43	$1,208.70	$1,476.12	$48,162.21
Mar, 2030	85	$260.88	$1,215.25	$1,476.12	$46,946.96
Apr, 2030	86	$254.30	$1,221.83	$1,476.12	$45,725.14
May, 2030	87	$247.68	$1,228.45	$1,476.12	$44,496.69
Jun, 2030	88	$241.02	$1,235.10	$1,476.12	$43,261.59
Jul, 2030	89	$234.33	$1,241.79	$1,476.12	$42,019.80
Aug, 2030	90	$227.61	$1,248.52	$1,476.12	$40,771.28
Sep, 2030	91	$220.84	$1,255.28	$1,476.12	$39,516.01
Oct, 2030	92	$214.05	$1,262.08	$1,476.12	$38,253.93
Nov, 2030	93	$207.21	$1,268.91	$1,476.12	$36,985.01
Dec, 2030	94	$200.34	$1,275.79	$1,476.12	$35,709.22
Jan, 2031	95	$193.42	$1,282.70	$1,476.12	$34,426.52
Feb, 2031	96	$186.48	$1,289.65	$1,476.12	$33,136.88
Mar, 2031	97	$179.49	$1,296.63	$1,476.12	$31,840.25
Apr, 2031	98	$172.47	$1,303.66	$1,476.12	$30,536.59
May, 2031	99	$165.41	$1,310.72	$1,476.12	$29,225.87
Jun, 2031	100	$158.31	$1,317.82	$1,476.12	$27,908.06
Jul, 2031	101	$151.17	$1,324.96	$1,476.12	$26,583.10
Aug, 2031	102	$143.99	$1,332.13	$1,476.12	$25,250.97
Sep, 2031	103	$136.78	$1,339.35	$1,476.12	$23,911.62
Oct, 2031	104	$129.52	$1,346.60	$1,476.12	$22,565.02
Nov, 2031	105	$122.23	$1,353.90	$1,476.12	$21,211.12
Dec, 2031	106	$114.89	$1,361.23	$1,476.12	$19,849.89
Jan, 2032	107	$107.52	$1,368.60	$1,476.12	$18,481.29
Feb, 2032	108	$100.11	$1,376.02	$1,476.12	$17,105.27
Mar, 2032	109	$92.65	$1,383.47	$1,476.12	$15,721.80
Apr, 2032	110	$85.16	$1,390.96	$1,476.12	$14,330.84
May, 2032	111	$77.63	$1,398.50	$1,476.12	$12,932.34
Jun, 2032	112	$70.05	$1,406.07	$1,476.12	$11,526.27
Jul, 2032	113	$62.43	$1,413.69	$1,476.12	$10,112.58
Aug, 2032	114	$54.78	$1,421.35	$1,476.12	$8,691.23
Sep, 2032	115	$47.08	$1,429.05	$1,476.12	$7,262.18
Oct, 2032	116	$39.34	$1,436.79	$1,476.12	$5,825.40
Nov, 2032	117	$31.55	$1,444.57	$1,476.12	$4,380.83
Dec, 2032	118	$23.73	$1,452.39	$1,476.12	$2,928.43
Jan, 2033	119	$15.86	$1,460.26	$1,476.12	$1,468.17
Feb, 2033	120	$7.95	$1,468.17	$1,476.12	$0.00

A commercial loan is a loan that a business uses to fund major capital expenditures or to cover operational costs. The company then makes monthly payments to repay the loan.

There are many different types of commercial loans, some are used to fund small businesses and others are to help real estate investors buy commercial properties. There are commercial loans with fixed and variable interest rates, and their terms are different. Commercial loans are often short-term loans and the borrowers are required to pay off the loan within a few years. Some commercial loans use balloon payment where the business makes interest-only payments during the initial period, once this period is over, the business is required to pay off the loan balance as a lump sum payment. Balloon payments are riskier than traditional installment payments because of the large one-time payment at the end. Therefore, lenders only approve commercial balloon loans to trusted businesses with good credit scores and strong financial backgrounds. A business must generate enough income or have positive cash flows to qualify for these balloon loans.

There are many kinds of commercial loans, each serving a different need.

A business line of credit is a type of commercial loan very similar to a credit card. A business is given a line of credit which is the maximum amount of money it can use. The business can then draw from the pool of money whenever it needs. The business will only need to pay interest on the amount it uses, not the maximum amount. When the business draws money from the business line of credit, the amount of money it can use decreases until the business pays off the balance.

For many businesses, buying and upgrading their equipment is a necessary part of doing business. However, the equipment may be too expensive for new businesses or drain up too much capital. That's when an equipment loan comes in handy. The company can get an equipment loan to purchase the equipment and repay the loan when the money rolls in.

Real estate investors often use commercial real estate loans to fund the purchase of commercial properties. Borrowers use this type of loan to buy properties as an investment or as a business space. Some companies use commercial real estate loans to buy apartments and commercial builds to generate rental income.

Construction loans are a type of real estate loan used to cover labor costs and materials in building construction. Construction loans are short-term loans ranging between 18 to 36 months. Once the construction is completed, the borrower can refinance the loan into a traditional mortgage or pay it off.

A hard money loan is another type of real estate loan offered not by banks, but by private investors. Hard money loans are a popular choice among fix and flip property investors. Hard money loans are short-term loans with very high interest rates.

A bridge loan is a short-term real estate loan offered by banks. A bridge loan is similar to a hard money loan that real estate investors use for home improvements and construction. Bridget loan has a lower interest rate than a hard money loan, but it has a stricter credit score & down payment requirements.

The U.S. Small Business Administration or SBA offers a few different types of loans for small businesses, SBA 7(a) loan, SBA 504 loan, SBA Express loans, and microloans. Each of these loans has its own standards, requirements, and usage. SBA loans are not offered by the SBA directly, the loans go through a local lender that offers SBA loans and is backed by the SBA.

Commercial Loan Calculator Results

Monthly Principal:

Monthly Interest:

Monthly Payment:

Balloon payment:

$62,244.43

First, you need to know why you need a commercial loan and what you are going to use the loan for. Are you a small business looking to expand your business, a house flipper who needs money to purchase your next property, or a long-term real estate investor who is interested in buying properties to generate a rental income? Once you figure out what you need the loan for, you can then determine what type of loan you need. The next step would be to contact the banks or private investors and show them your plan and show them your financial background or bank statements. If you need a commercial loan from the bank, you will need a good credit score, a down payment, collateral, and financial statements to show that you or your business is in good financial standing. Provide the lenders with all the necessary documents they ask for and wait for the approval.

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