World Economy · Free tools

Business loan & seller financing calculator

No account, email or phone. Planning estimates, not quotes or personalized advice.

Open full calculator, sources & methodology ↗

Scenario / listing name

Keep up to three named scenarios, then change the calculator for the next one. Saved comparisons stay in this tab and disappear when you leave. To save a file, choose “Save as PDF” in your browser’s print dialog.

Purchase & bank loan

Price paid to seller ($)

Buyer down payment (%)

Seller-financed share of price (%)

Bank annual interest rate (%)Illustrative, not a live SBA or bank quote.

Bank amortization / payoff (years)

Cash-paid transaction & loan fees ($)

Extra working capital / reserves ($)

Seller note & repayment capacity

Seller annual interest rate (%)

Seller amortization (years)

Seller payoff / balloon at yearSet equal to amortization for no balloon.

Annual cash available for debt service ($)After operating costs, replacement labor and reinvestment; before these loans.

Example result

A lower monthly payment still leaves a balloon

Combined initial monthly payment$4,567

Seller balloon after scheduled payment$51,683

Initial buyer cash$135,000

Annual earnings / regular debt service2.74×

Estimates update as you change the numbers. Review the assumptions below.

See the breakdown

Bank loan: $270,000
Bank monthly payment: $3,568
Seller note: $90,000
Seller monthly payment: $999
Total modeled interest: $179,803
Initial annual cash after regular payments: $95,193
Monthly cash to set aside for balloon (no return): $861
Seller note final-year payments incl. balloon: $63,674

How to read this estimate

Fixed rates and monthly amortization. Seller balloon is due after the regular payment at the end of the chosen year. Interest totals assume both contracts are paid as modeled, with no refinancing, penalties or extra payments.

Coverage uses your cash available for debt service, after operating costs, needed labor and reinvestment. It excludes owner distributions and taxes not already deducted. A lender may use a different definition.

This is not an SBA eligibility check. Seller notes may have standby or subordination requirements. Confirm terms, fees, guarantees and balloon refinancing risk with the lender.