Tools by borrower task

Start with what you need to work through.

For U.S. small-business owners and commercial real-estate investors preparing for a lender conversation. Choose a task to find the relevant calculator or worksheet.

Task 011 tool

Assess property cash flow

Compare income from an income-producing property with its debt payments.

  • DSCR calculator

    Compare annual net operating income with annual debt service to estimate a coverage ratio.

    Open DSCR calculator

Task 024 tools

Review property finances and leverage

Bring property operations, loan size, and property value into view together.

  • CRE property analysis worksheet

    Review income, expenses, debt service, and value together with NOI, cash flow after debt service, DSCR, debt yield, and LTV.

    Open property analysis

  • Loan-to-value calculator

    Compare a proposed loan and remaining liens with the entered property value.

    Open LTV calculator

  • Loan-to-cost calculator

    Compare a proposed loan with total project cost, including land, hard costs, and soft costs.

    Open LTC calculator

Task 034 tools

Prepare a loan request or lender conversation

For a small-business or property request, organize the details you want to discuss and the questions you want to ask.

  • Small-business cash-flow preparation worksheet

    Organize business revenue, operating costs, existing debt payments, and notes about cash-flow changes before a commercial lender conversation.

    Organize business cash flow

  • Commercial loan request worksheet

    Organize the amount, use of funds, repayment plan, collateral, ownership, and financial highlights in your browser.

    Prepare a loan request

  • Borrower readiness checklist

    Review business, financial, ownership, and property information before you meet with a lender.

    Open readiness checklist

  • Lender conversation question planner

    Select prompts about your request, supporting documents, financing terms, and next steps.

    Plan lender questions