Decision Support

Financial tools & calculators.

Practical tools to help business owners and investors test financing assumptions, understand lender constraints and prepare for more productive capital conversations.

CFM Tools

Clarity before the conversation.

These tools provide an informed starting point—not an approval, valuation or commitment. Actual financing capacity depends on lender underwriting, transaction structure, borrower strength and market conditions.

Commercial Real Estate

Commercial Mortgage DSCR & Maximum Loan Calculator

Estimate the mortgage a property may support based on net operating income, debt-service coverage and loan-to-value. Compare the two common underwriting limits and see which constraint is likely to determine maximum proceeds.

Open the Commercial Mortgage Calculator

Estimate

Net operating income
DSCR-supported loan proceeds
LTV-supported loan proceeds
Indicative equity requirement
DSCR on a proposed mortgage

Business & Acquisition Financing

Business Acquisition Financing Calculator

Test a potential acquisition capital structure using normalized EBITDA, buyer equity, vendor financing and lender-style debt-service coverage. Estimate senior-debt capacity and the remaining funding gap.

Open the Business Acquisition Calculator

Estimate

Purchase-price multiple
Senior-debt capacity
Buyer equity contribution
Vendor-note debt service
DSCR and financing gap

Business Financing

Business Loan Payment & DSCR Calculator

Estimate monthly payments, annual debt service and lender-style DSCR. Compare a proposed loan with the amount the business may support under selected cash-flow assumptions.

Open the Business Loan Calculator

Estimate

Monthly loan payment
Annual debt service
DSCR on proposed financing
Maximum supportable new loan
Borrowing headroom or shortfall

Need advice beyond the numbers?

CFM can assess the financing requirement, capital structure and likely lender fit in the context of the complete transaction.

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Confidential inquiries welcome.