Commercial mortgage calculator.
This loan calculator estimates your monthly payment, total interest and amortization for a commercial mortgage scenario. Use it as a starting point — your actual term sheet will be sized to the deal.
Inputs
Estimate only. Actual terms depend on lender, asset, sponsor, and market conditions.
Estimate based on amortizing fixed-rate mortgage. Actual rate quoted at term sheet.
What happens after you run the loan calculator.
This calculator gives you an indicative monthly payment. A real quote accounts for your asset, your sponsor profile, and live market rates — usually within 24 hours.
Share your scenario
Tell us the property type, price, and your goals. A 15-minute call is all it takes to get started.
We surface real programs
We match your deal to relevant lenders across our 750+ network and 500K+ programs.
You get a real term sheet
Actual rate, actual structure, actual leverage — not a calculator estimate. Usually within 24 hours.
How to get the most out of this loan calculator
Start with the numbers you are confident about. The purchase price or current value, the loan amount you want and the term you expect are enough for a first pass. Leave the interest rate at a level you have actually been quoted rather than the lowest figure you have seen advertised; on commercial debt the spread between a bank quote and a bridge quote can be several points, and modelling the optimistic end of that range tends to hide the deals that only work on paper.
Amortisation and term are not the same thing, and the loan calculator treats them separately for a reason. Commercial loans are frequently written on a twenty-five or thirty-year amortisation schedule but mature in five, seven or ten years. The monthly payment comes from the amortisation, while the balloon balance at maturity comes from the term. If the balance left at maturity is larger than you are comfortable refinancing, shorten the amortisation or lower the leverage and run it again.
Once the payment looks workable, compare it against the property income rather than against your own budget. Most lenders size the loan from a debt service coverage ratio, typically somewhere between 1.20x and 1.35x on stabilised assets, so net operating income divided by the annual payment is the number that decides how much you can actually borrow. If that ratio is thin, the answer is usually less leverage or a longer amortisation, not a different lender.
Treat the output as an estimate, not a quote. Taxes, insurance, reserves, replacement escrows, lender legal fees and third-party report costs all sit outside a payment calculation, and they change the cash you need at closing. When you are ready for real figures, send the scenario over and we will come back with lender programs, indicative pricing and the structure that fits the property.
One last note on scenarios: run the same deal two or three ways before you commit to a strategy. A lower loan amount at a shorter amortisation often costs less over the hold period than maximum leverage at a rate that looks cheap today, and the loan calculator makes that trade-off visible in about a minute.