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

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CalculatorCommercial Real Estate Loan CalculatorFree commercial real estate loan calculator. Get the monthly payment and balloon, then see how much you can borrow under LTV, DSCR and debt yield limits.

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

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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.

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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.

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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.

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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.

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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.

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

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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.

CalculatorConstruction Loan CalculatorFree construction loan calculator for commercial projects. Estimate interest during construction, the average drawn balance, and the interest reserve to budget.CalculatorBlended Rate CalculatorFree blended rate calculator for commercial real estate financing. Weight the senior loan, mezzanine and preferred equity to get one cost of capital.CalculatorBalloon Payment Calculator with Amortization ScheduleFree balloon payment calculator for commercial loans. Add an interest-only period, see the balloon at maturity, and download the amortization schedule.CalculatorCash-on-Cash Return CalculatorFree cash-on-cash return calculator for commercial real estate. Enter NOI, annual debt service and cash invested to see the year-one cash yield on equity.CalculatorDebt Service CalculatorFree debt service calculator for commercial loans. Get annual debt service amortizing and interest-only, the year-one interest split, and DSCR from NOI.CalculatorNOI Calculator: Net Operating IncomeFree NOI calculator for commercial property. Build net operating income from rent, vacancy, expenses, a management fee and reserves, as a lender would.

Templates

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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.

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

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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.

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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.

TemplatePersonal Financial Statement TemplateFree personal financial statement template for commercial real estate loans: assets, liabilities, net worth, real estate owned and guaranties in one CSV.TemplateSchedule of Values TemplateFree schedule of values template for construction draws: scheduled value, work completed, stored materials, percent complete, balance to finish, retainage.

For developers

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