Loan Capacity Calculator

Your numbers

Four quick questions.

QUESTION 1 OF 4

Collateral

AR + INVENTORY

Accounts Receivable under 90 days $500,000

Invoices aged under 90 days.

$0$5M

Enter exact amount

Inventory on hand $750,000

Raw materials, WIP, and finished goods at cost.

$0$10M

Enter exact amount

→ Supports $0

Cash Flow

EBITDA + DEBT

Annual EBITDA $800,000

Earnings before interest, tax, depreciation & amortization.

$0$10M

Enter exact amount

Existing annual debt payments $200,000

What you already pay yearly on loans and lines.

$0$3M

Enter exact amount

→ Supports $0

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Lending Assumptions +

These are the terms a bank sets. Adjust them to see how much more you could unlock.

Capacity at these settings $0 Same as default bank terms

Target coverage (DSCR) 1.25x

Bank's minimum coverage ratio.

1.00x1.75x

Assumed interest rate 8.5%

Rate used to size the loan.

4%15%

Loan term (amortization) 5 yrs

Longer terms lower the payment.

1 yr10 yrs

Advance rate on AR 80%

% of AR banks will lend against.

50%90%

Advance rate on inventory 50%

% of inventory banks will lend against.

0%75%