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New clients may use our commercial loan amortization calculator tool below to analyze their commercial real estate loan payments over time. You have the ability to model proposed commercial loans at various loan amounts, amortization, term, interest rate and interest accrual method. You also have the option to model an "interest only" period. Don't forget to export your data to PDF or an Excel spreadsheet to save your information.


Not sure what rate or amortization to use? Most multifamily loans are 30-year amortizations, while core commercial loans are 25-year amortizations. This is a good place to start. Interest rates vary drastically depending on risk. We recommend reading our market rates page on the website toolbox, and to contact someone on our team for a rate quote for your deal. You can however use 6.25% for multifamily and 6.75% for core commercial as a good place to start.

Term The length of a loan. Also known as Maturity or the Bullet.

Amortization The period over which principal and interest payments are scheduled. A fully amortized loan would
have a $0 balance at the end of the amortization period. A partially amortized loan will have a balance due (balloon
payment) at the end of the term.

Interest Rate The sum charged for borrowing money, expressed as a percentage.

Interest Accrual Method (UI) The method by which interest is calculated through the loan term; options include
Actual 360, Annual 365, 30/360, and Actual/Actual.

Balloon Payment The balance due at the end of the loan term or maturity. This is common on a loan that is not fully
amortized. For example, a loan with a 10-year loan term but a 25-year amortization will not have the loan completely
paid down when the loan is due at the end of 10 years. That remaining balance is satisfied by a balloon payment.

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