SBA 7(a) Loans: Cash Flow Calculator

Use this calculator to calculate a business’s cash flow and the resulting debt service coverage ratio (DSCR) for an SBA 7(a) loan. By learning these metrics for your business/loan, you can put yourself in the position to get the best possible loan terms.

For information on SBA 7(a) cash flow and the debt service coverage ratio (DSCR), see here.

Are you calculating cash flow for a specific business?

Yes

Do you have access to the business's tax form for the year in question?

Yes

Would you like to use the tax form information for the calculator, or would you like a general cash flow calculator?

Tax form information

General cash flow calculator

What is the structure of the business?

This field is hidden when viewing the form

C corporation

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Taxable income (Line 28)

Loan amount

Rent expense (Line 16)

If applicable. If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 18)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 20)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

LLC (multi-member)

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Ordinary business income (Line 22)

Loan amount

Rent expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 15)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 16c)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

Partnership

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Ordinary business income (Line 22)

Loan amount

Rent expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 15)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 16c)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

S corporation

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Ordinary business income (Line 21)

Loan amount

Rent expense (Line 11)

If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 14)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

LLC (single-member)

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Net profit/loss (Line 31)

Loan amount

Rent expense (Line 20b)

If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 16a)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

Sole proprietorship

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Net profit/loss (Line 31)

Loan amount

Rent expense (Line 20b)

If this line is empty, enter ‘0’ (zero).

Interest rate (%)

Interest expense (Line 16a)

If this line is empty, enter ‘0’ (zero).

Loan term

Depreciation expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Monthly payment

Cash flow

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

General cash flow calculator

Project cost

Down payment (%)

Cash Flow Calculation

Loan Payment Calculation

Net income/profit

Loan amount

Interest expense

Interest rate (%)

Depreciation expense

Loan term

Amortization expense

Monthly payment

Other previous/one-time expenses

Cash flow

Total yearly payment

Debt service coverage ratio

Are you calculating cash flow for a specific business?

Yes

Do you have access to the business's tax form for the year in question?

Yes

Would you like to use the tax form information for the calculator, or would you like a general cash flow calculator?

Tax form information

General cash flow calculator

What is the structure of the business?

This field is hidden when viewing the form

C corporation

Taxable income (Line 28)

Rent expense (Line 16)

If applicable. If this line is empty, enter ‘0’ (zero).

Interest expense (Line 18)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 20)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

LLC (multi-member)

Ordinary business income (Line 22)

Rent expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Interest expense (Line 15)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 16c)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

Partnership

Ordinary business income (Line 22)

Rent expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Interest expense (Line 15)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 16c)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

S corporation

Ordinary business income (Line 21)

Rent expense (Line 11)

If this line is empty, enter ‘0’ (zero).

Interest expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 14)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

LLC (single-member)

Net profit/loss (Line 31)

Rent expense (Line 20b)

If this line is empty, enter ‘0’ (zero).

Interest expense (Line 16a)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

Sole proprietorship

Net profit/loss (Line 31)

Rent expense (Line 20b)

If this line is empty, enter ‘0’ (zero).

Interest expense (Line 16a)

If this line is empty, enter ‘0’ (zero).

Depreciation expense (Line 13)

If this line is empty, enter ‘0’ (zero).

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio

This field is hidden when viewing the form

General cash flow calculator

Net income/profit

Interest expense

Depreciation expense

Amortization expense

Other previous/one-time expenses

Cash flow

Project cost

Down payment (%)

Loan amount

Interest rate (%)

Loan term

Monthly payment

Total yearly payment

Debt service coverage ratio