PackageMyLoan / owner-first check
Five numbers. One minute. The payment your banker is going to quote you.
Amount, term, rate, revenue, operating costs. That's all it needs. No account, nothing saved, no card.
Free calculation
Example numbers to play with
Fictional complete examples only, not averages or benchmarks.
Your numbers look strong
Your operating income covers the modeled first-year loan payments at 3.68x.
Keep the payment, costs, and revenue assumptions current as you compare financing options.
Monthly payment
$3,959
Year 1 debt service
$47,509
Bankers call this DSCR
3.68x
What if
Change one assumption
Each choice updates the result and keeps your other inputs unchanged.
Checkable math
Income beside debt service
We show the arithmetic so you can check it. Your lender can check the same inputs and comparisons; the technical ratio is only a shorthand for the visible numbers.
1.25x is a common reference point, not a lender requirement or approval threshold.
Your modeled operating income is larger than the first year debt service.
| Period | Opening | Payment | Interest | Principal | Closing |
|---|---|---|---|---|---|
| 1 | $250,000 | $3,959 | $1,771 | $2,188 | $247,812 |
| 2 | $247,812 | $3,959 | $1,755 | $2,204 | $245,608 |
| 3 | $245,608 | $3,959 | $1,740 | $2,219 | $243,389 |
| 4 | $243,389 | $3,959 | $1,724 | $2,235 | $241,153 |
| 5 | $241,153 | $3,959 | $1,708 | $2,251 | $238,902 |
| 6 | $238,902 | $3,959 | $1,692 | $2,267 | $236,636 |
| 7 | $236,636 | $3,959 | $1,676 | $2,283 | $234,353 |
| 8 | $234,353 | $3,959 | $1,660 | $2,299 | $232,053 |
| 9 | $232,053 | $3,959 | $1,644 | $2,315 | $229,738 |
| 10 | $229,738 | $3,959 | $1,627 | $2,332 | $227,406 |
| 11 | $227,406 | $3,959 | $1,611 | $2,348 | $225,058 |
| 12 | $225,058 | $3,959 | $1,594 | $2,365 | $222,693 |
Showing 12 of 84 payments. The full schedule retires $250,000 of principal, with a final payment of $3,959.
How to read this, and check the math
DSCR compares operating income with the modeled annual payment. It is a planning reference only; it does not predict approval, funding, or business performance.
No approval promise: This result is not a loan approval, commitment, recommendation, or guarantee.
No forecast: Illustrative comparisons are not forecasts and do not predict lender decisions or business results.
User assumptions: Results are driven by the inputs you provide and are not financial, accounting, tax, or legal advice.
You now know your payment, your debt service, and your coverage. The next thing your banker asks is where the money goes, and whether every dollar reconciles to what you asked for. That's the $499 package, and you can read a complete one free before you decide.
Build my lender package: $499Backed by the reconciliation guarantee.