This is an estimate only. Adjust the inputs to model different scenarios. Your actual rate, terms, and approval depend on your business profile. Pre-qualify to see real offers.
Model funding packages from $500K to $10M. Select a product, adjust the terms, then add a second product to see your combined monthly obligation and total cost.
Primary Product
Up to $5M — lowest rates, longest terms
Need more than $10M? Talk to a commercial specialist. Larger lines available when revenue, cash flow, and story qualify.
Terms & Fees
$40,000 on $2,000,000
Your Selections
Your Estimated Financing Cost
Monthly Payment
$24,265.52
Total Repayment
$2,911,862
Total Cost of Capital
$951,862
Total Financing
$2,000,000
Cost per Dollar
$0.48
Annual Debt Service
$291,186
Revenue Needed (est.)
$2,426,552
1.25x DSCR at 15% margin
Combine two products to model your total monthly obligation and cost
Financing of This Size Deserves Personal Attention
Your funding specialist will structure the optimal package for your business.
At this level, rate, structure, and lender selection matter. A dedicated specialist will compare options across 70+ institutional lenders and present 2-4 competing offers.
Request a Financing Review →Estimate only — your real offer may differ. Pre-qualify to see actual rates and terms from 70+ lenders.
This calculator is for informational purposes only and does not constitute a loan offer. Actual rates, terms, and approval depend on your business profile, collateral, and lending partner. Commercial transactions require full underwriting review.
“Deals over $1M need capital stacking — multiple products, multiple lenders, one package. This calculator helps you model the structure before you talk to our commercial team.”
— Bobby Friel, Basecamp Funding - Founder
Understanding Commercial Costs
How Commercial Financing Costs Work at Scale
Commercial financing operates on a fundamentally different level than small business lending. At $500K and above, lenders conduct full underwriting — reviewing tax returns, financial statements, collateral valuations, and business projections. This deeper review means more competitive rates, but also more variables. The same business might get 7% from one lender and 11% from another depending on how each evaluates industry risk, collateral quality, and revenue trajectory. Having 70+ institutional lenders competing for your financing means you see the full range — not just one bank's opinion.
Structuring matters more than rate at this level. A $3M financing might be structured as a single SBA 7(a) loan, or it might work better as $2M in SBA 504 financing for the real estate plus $1M in equipment financing for the machinery. The second structure could save tens of thousands in total cost because each asset is financed with the product designed for it. Your funding specialist evaluates these structures and presents the one that minimizes your total cost of capital while keeping monthly payments manageable.
Debt service coverage ratio (DSCR) is the metric commercial lenders care about most. It measures whether your business generates enough income to cover loan payments with room to spare. Most lenders require a minimum 1.25x DSCR — meaning your business needs to produce $1.25 in net operating income for every $1.00 in annual debt payments. The calculator above estimates the revenue your business needs based on this standard. If your numbers are close, a funding specialist can identify lenders with more flexible DSCR requirements or suggest restructuring the financing to improve coverage.
Origination and closing fees at the commercial level typically range from 1% to 3% of the loan amount — and they matter. On a $3M financing, the difference between 1% and 3% origination is $60,000. Some lenders roll fees into the loan balance while others require payment at closing. The calculator shows you exactly how fees affect your net proceeds and total cost, so you can compare offers on a true apples-to-apples basis.
Commercial Financing
Ready to Discuss Your Financing?
Request a free financing review. A commercial lending specialist will assess your financing and present 2-4 competing offers.
Free Guide
📥 The Business Owner's Guide to Funding
All 10 loan products compared side by side — including commercial real estate, SBA, and multi-product packaging.
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Your Business Deserves More Than One Bank's Opinion
Free review. No obligation. Confidential. 70+ institutional lenders competing for your financing.
Request a Financing Review →Commercial Funding Calculator — Model Packages from $500K to $10M
Use the Basecamp Funding commercial funding calculator to estimate monthly payments, total repayment, origination fees, and annual debt service for commercial financing from $500,000 to $10,000,000. Model SBA 7(a), SBA 504, commercial real estate, equipment financing, term loans, and business lines of credit. Build multi-product funding packages to see your combined monthly obligation. Free to use with no email or signup required.