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Commercial Loan Calculator

Estimate your monthly payments, DSCR, and see a full amortization schedule for your next commercial real estate loan. Adjust terms and visualize your results instantly.

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Get Your Best Commercial Loan Offer

Why Visto Capital?

6,000+
Lenders
$1B+
Funded
24hr
Approvals
50+
Loan Programs

Why Use Our Calculator?

Designed for commercial real estate investors and professionals.

Instant Results

Get your estimated payment, DSCR, and amortization instantly.

Customizable Terms

Adjust loan amount, rate, and terms to fit your scenario.

Expert Guidance

Access resources and expert support for every step.

How It Works

From calculation to funding, we make it seamless.

  • Enter Loan Details

    Input your principal, interest rate, maturity, and amortization.

  • Review Results

    See your monthly payment, DSCR, and amortization schedule.

  • Compare Offers

    Explore top commercial loan programs and get matched.

  • Apply Online

    Start your application and get expert support.

Trusted by Leading Lenders

Fannie Mae
Freddie Mac
Goldman Sachs
Greystone
Arbor
Bank34

How to Use the Commercial Loan Calculator

Easily estimate your monthly payments for any commercial real estate loan.

  • Enter your Principal Loan Amount, Interest Rate, Maturity, and Amortization period.
  • Supports Fannie Mae, Freddie Mac, CMBS, FHA/HUD and more.
  • Review your estimated monthly payment, interest-only payment, and balloon payment instantly.

What the Calculator Shows

Understand your amortization schedule and payment breakdown.

  • Amortization Schedule: See how each payment is split between principal and interest. Learn more.
  • Balloon Payment: Find out if you’ll owe a lump sum at the end of your loan.
  • Interest-Only Payments: See your payment if your loan has an interest-only period.
Don’t Forget Other Costs Your mortgage payment is just one part of your total property expenses. Remember to budget for insurance, taxes, maintenance, and more. Read our guide.

Key Terms to Know When Applying for a Commercial Real Estate Loan

Amortization Period
Fixed payments over time, split between principal and interest.
Balloon Payment
A large one-time payment due at the end of some loans.
Basis Point (BP)
1/100th of 1%. One basis point equals 0.01%.
Debt Service
The money required to cover monthly or annual loan payments.
DSCR
Debt Service Coverage Ratio. What is DSCR?
Cap Rate
Amount by which an adjustable mortgage rate may change at each adjustment.
Collateral
The asset used to secure a loan. Usually the property being purchased.
LTV
Loan to Value Ratio. Learn about LTV
Debt Yield
NOI divided by loan amount. See details
Maturity Date
The date on which a loan's final principal payment is made.
Prime Rate
The standard rate used when comparing interest rates offered by different lenders.
Prepayment Penalty
Fees for paying off a loan early. Includes step-down, yield maintenance, or defeasance.
Principal and Interest (P&I)
Principal is the original amount borrowed; interest is the cost to borrow.
Refinance
Replacing an old loan with a new one, often to get better terms.
Non-Recourse
A loan where the lender cannot pursue personal assets if the borrower defaults.

What Our Clients Say

"The calculator made it so easy to compare my options. I got funded in days!"

- Sarah M.

Google review

"Visto Capital’s team was incredibly helpful and transparent."

- James L.

Google review

"I loved seeing my amortization schedule instantly. Highly recommend!"

- Priya S.

Google review

"The calculator made it so easy to compare my options. I got funded in days!"

- Sarah M.

Google review

"Visto Capital’s team was incredibly helpful and transparent."

- James L.

Google review

"I loved seeing my amortization schedule instantly. Highly recommend!"

- Priya S.

Google review

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