Feasibility Study Calculators
Small calculators for the first arithmetic a lender runs on a project: what a loan costs a year, how far cash flow covers it, how large a loan the cash flow carries, and how long the project takes to pay back. Each one shows its formulas and a worked example, and runs in your browser without sending or keeping anything you type.
Calculators
- DSCR and Loan Sizing CalculatorDebt service, coverage ratio, and the largest loan a cash flow supports at a target coverage and a loan-to-cost limit.
- Gas Station Payback CalculatorFuel and store gross profit, cash flow, coverage and payback for a gas station or convenience store.
- Car Wash Payback CalculatorSingle-wash and membership revenue, cash flow, coverage and payback for a car wash.
- Hotel Payback CalculatorRoom revenue from rooms, occupancy and rate, then cash flow, coverage and payback for a hotel or motel.
- Multifamily Payback CalculatorRental income from units, rent and occupancy, then cash flow, coverage and payback for an apartment building.
- Retail Payback CalculatorGross profit on store sales, cash flow, coverage and payback for a store that owns its building.
- RV Park Payback CalculatorSite revenue from sites, occupancy and rate, then cash flow, coverage and payback for an RV park or campground.
- RV Storage Payback CalculatorRental income from spaces, occupancy and rent, then cash flow, coverage and payback for RV and boat storage.
What these calculators are, and are not
Each calculator does one piece of the arithmetic a lender and a feasibility study run on a project, with every formula written out on its page and a worked example that reads without JavaScript. Each is an estimate on the inputs you give it. None is a feasibility study, which tests those inputs against the market, the site and the competition; none is an appraisal; and none is lending advice.
Beside each payback calculator sits the SBA 7(a) and 504 loan record of its class, from SBA's loan-level files, so the loan you enter can be read against the loans SBA has guaranteed for the same kind of project. The methods are set out in the methodology series:
- Debt Service Coverage in a Feasibility Study: How the Ratio Is Built, and Which Floor Binds
- Sensitivity and Stress Testing: Break-Even Points, Shock Sizes and What a Lender Should See
- The Approval-Cohort Charge-Off Floor: Why a Published SBA Loss Rate Can Only Understate
The data pages the calculators draw on are listed in the Feasibility Study Data Hub.
Start with the data.
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