Calculators — Floridian Mutual Commercial

Calculators

Run the numbers before you talk to anyone.

Six quick tools for commercial deals. Everything runs in your browser. Nothing you enter is sent or saved.

Loan amount ($) Interest rate you want to test (%) Amortization (years) Loan term (years)

Monthly payment, principal and interest

—

—Annual debt service

—Interest-only, monthly

—Balance at end of term

—Interest paid over term

Loan amount, before fees ($) Term Rate type WSJ Prime (%) Spread over Prime (%) Fixed note rate (%) Guaranty fee Lender packaging / origination ($) Appraisal ($) Environmental report ($) Title, legal & recording ($) Annual cash flow for DSCR ($, optional) Fee waiver: manufacturer, food supply chain or rural business (0% fee on loans of $700,000 or less) Finance closing costs into the loan

Monthly payment, principal and interest

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—Guaranty fee

—Cash at closing

—APR estimate

—Rate used

APR estimate spreads the upfront guaranty fee and any closing costs paid at closing over the term. It excludes lender, servicing and other ongoing fees. The lender also pays SBA an annual service fee of 0.55% of the guaranteed balance; SBA does not let lenders pass it on to you, so it is not in your payment. DSCR is shown only if you enter cash flow; 1.25x is the typical lender minimum.

Estimates only. Not an offer or commitment to lend. Rates and fees are set at approval and closing. Fees reflect SBA fiscal year 2027. Debt Refinance without Expansion (other than manufacturers): 0.50% upfront, 0.204% annual. Manufacturers, food supply chain, and rural borrowers are waived, as above.

Sources: SBA Information Notices 5000-881797 (7(a)) and 5000-881796 (504), and 13 CFR §120.971. Everything runs in your browser. Nothing you enter is sent or saved.

Expense reimbursements ($/yr) Operating expenses ($/yr) Vacancy allowance (%) Management (% of effective gross income) Replacement reserves ($/sq ft/yr) Re-leasing allowance ($/sq ft/yr) Market rent, vacant suites ($/sq ft/yr) Term start year Loan term to test (years)

Tenant	Square feet	Annual base rent ($)	Lease-end year

Tenant names are optional and never leave your browser — nothing here is sent or saved. A suite with no lease-end year counts as vacant: it adds to base rent but never shows as expiring.

Net operating income

—

—NOI per square foot

—Effective gross income

—Total deductions

Total square feet	—
Total base rent	—
Vacant suites, at market rent	—
Vacancy allowance	—
Vacancy deduction applied	—
Plus expense reimbursements	—
Less operating expenses	—
Less management	—
Less replacement reserves	—
Less re-leasing allowance	—
Net operating income	—

Enter this NOI in the Maximum loan tab to test the loan it supports. Estimates only. Nothing you enter here is sent or saved.

Lease rollover

Year	Sq ft expiring	Rent expiring	Share expired
Beyond year 12	—	—	—

—Rent expiring during the term

—Largest tenant share

For illustration only. The rents, expenses and lease-expiry figures are your own assumptions, not a forecast, and results are not a lender decision. Lenders set their own requirements, which vary by lender, property type and borrower.

Loan payment

Test a loan amount, rate, amortization and term. See the monthly payment, annual debt service, interest-only payment, balance at end of term, and interest paid over the term.

Maximum loan

Test income, value, rate, amortization, coverage and leverage. See the largest loan under both the coverage test and the leverage test, and which one limits you.

Cap rate and value

Test income, price or value, and cap rate. See the cap rate at that price, the value at your tested cap rate, and the difference from price.

Debt yield and break-even

Test income, loan, gross income, expenses and debt service. See debt yield, break-even occupancy, and debt service coverage.

SBA 7(a) & 504

Test an SBA 7(a) loan or a 504 project. See the guaranty fee, the grossed-up debenture, the combined payment, cash at closing, and the capital stack.

Rent roll and NOI

Enter a suite-by-suite rent roll and see the income it supports, line by line, plus which leases roll over during the loan term and the largest tenant’s share of rent.

How to use these tools

Try

Change one assumption at a time, rate, coverage, or leverage, and watch what moves
Use your own figures, not ours, the rate, coverage and leverage figures are your assumptions

Remember

Results are for illustration only, not a quote, rate, term, or lender decision
Lenders set their own requirements, which vary by lender, property type and borrower
Nothing you enter here is sent or saved, everything runs in your browser

Numbers look workable?

Send the deal and we will check it against the programs we place, in plain words.

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