Instructions- Fill in Project Cost
- Select down payment percentage
- Choose a bank amortization term
- Choose a bank loan rate
- Print out results
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*Other cost can include professional fees (i.e. appraisal & environmental fees), const. contingency and interim interest.
| Source of Funds |
Structure |
Amount |
| Bank Loan |
50% |
|
| SBA 504 Loan |
|
|
| Equity* |
|
|
| Total |
100% |
|
*15% if business is a start up or if the real estate is special purpose, 20% if both
| 504 Debenture Pricing |
|
Amount |
| Net Debenture |
|
|
| Administrative Costs/Loan Fees |
|
|
|
Total |
|
| Gross Debenture (rounded to the next one thousandth) |
|
*Bank amortization is typically 20 yrs, but can be longer.
| Debt Service |
|
Payment |
| Monthly Payment |
|
|
| Bank Loan |
|
|
| SBA 504 Loan |
|
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| Monthly Debt Service |
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|
|
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| Annual Payment |
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| Bank Loan |
|
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| SBA 504 Loan |
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| Annual Debt Service |
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*Calculator is to be used for estimating purposes |
