Tools
The math, done for you.
Free calculators and templates for commercial lending. The numbers your borrowers and analysts run by hand, faster, plus the templates worth starting from.
Calculators

CalculatorDSCR CalculatorFree debt service coverage ratio calculator. Enter net operating income and annual debt service to size a commercial loan the way lenders do.

CalculatorLTV CalculatorFree loan-to-value calculator for commercial real estate. Enter the loan amount and appraised value to see leverage the way a lender sizes it.

CalculatorDebt Yield CalculatorFree debt yield calculator for commercial real estate lending. Enter NOI and the loan amount for a leverage measure that ignores value and rates.

CalculatorLoan-to-Cost CalculatorFree loan-to-cost calculator for construction and value-add deals. Enter the loan and total project cost to see leverage and the sponsor equity required.

CalculatorCap Rate CalculatorFree capitalization rate calculator. Enter net operating income and value or price to get the cap rate, the market's shorthand for pricing income property.

CalculatorBreak-Even Occupancy CalculatorFree break-even occupancy calculator. Enter operating expenses, debt service, and gross potential income to see how much occupancy a property can lose.

CalculatorClosing Timeline EstimatorFree commercial loan closing timeline estimator. Pick a loan type and key diligence items for a planning estimate of time to close.

CalculatorVDR Cost CalculatorFree virtual data room cost calculator. Estimate the annual per-page cost of a VDR and see why the license fee is only part of the picture.
Templates

TemplateRent Roll TemplateFree rent roll template for commercial real estate. Download a clean CSV with the columns lenders expect: unit, tenant, term, rent, escalations, and options.

TemplateDue Diligence Checklist TemplateFree commercial real estate due diligence checklist template. Download a CSV grouped by family with owner, status, and due-date columns.

TemplateClosing Binder Index TemplateFree closing binder index template for commercial loans. Download a CSV with the standard document set, tabs, and executed and recorded columns.
TemplateEstoppel and SNDA TrackerFree estoppel and SNDA tracker template for multi-tenant deals. Download a CSV to track requested and received status per tenant, with a discrepancies column.
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