⚡ Business Loan Amortization, SBA DSCR & Bank Reconciliation Calculator

🏢 Entity: Apex Commercial Services LLC

💳 Monthly Payment (P&I) 120 Mos

$2,967.54

Annual Debt Service: $35,610.53/yr

🏛️ Total Interest Paid 21 Mos Shaved Off!

$84,849.42

Extra Pmt Savings: 🎉 Saves $21,255.89

📊 Debt Service Coverage (DSCR) SBA Min: 1.25x

2.02x

NOI / EBITDA: $72,000 Debt: $35,611

✅ SBA / Bank Underwriting Verdict

🟢 APPROVED READY: DSCR ≥ 1.25x

Exceeds SBA 7(a) & 504 1.25x cash flow coverage threshold.

Loan Principal Amount ($) Principal

Annual Interest Rate (%) APR %

Loan Term (Years / Months) 10 Years

First Payment Start Date Payoff: Jul 2034

Extra Monthly Principal Prepayment ($) 100% to Principal

Annual Business Cash Flow / EBITDA ($) For Live DSCR

Commercial Loan Amortization & SBA DSCR Underwriting Schedule

Principal: $250,000.00 • Rate: 7.50% APR • Term: 120 Months • Extra Prepayment: $500.00/mo

Monthly P&I: $2,967.54

SBA DSCR: 2.02x (APPROVED READY)

Pmt #	Payment Date	Scheduled Payment ($)	Extra Principal ($)	Principal Paid ($)	Interest Paid ($)	Cumulative Interest ($)	Remaining Loan Balance ($)

🏦 Sheet A: Bank Statement 0 Rows

$0.00

Cleared bank/card transactions

📒 Sheet B: Book / GL Ledger 0 Rows

$0.00

Recorded QuickBooks / Ledger rows

⚠️ Unreconciled Discrepancies 0 Items

$0.00

Net Bank vs. Book Variance

✅ Matched Transactions 100%

0 Matched

Auto-verified by amount & date window

🏦 Sheet A: Bank / Card Statement Paste or Upload CSV 📂 Upload CSV

Format: Date, Description, Amount (Paste directly from Chase, BofA, Wells Fargo, Amex, or Excel)

📒 Sheet B: Accounting Book / GL Ledger Paste or Upload CSV 📂 Upload CSV

Format: Date, Description, Amount (Paste from QuickBooks, Xero, Wave, or Check Register)

Allow ±5 Day Clearing Window

Reconciliation Status	Date	Transaction Description / Counterparty	Amount ($)	Bookkeeper Action / Audit Note