Model funding packages from $250K to $20M+. Select a product, adjust the terms, then add a second product to see your combined monthly obligation and total cost.
Primary Product
$1M–$10M+ — owner-occupied, investment, mixed-use
Need more than $20M? 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+ lenders and present 2-4 competing offers.
Request a Financing Review →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 · 20+ years in banking and finance
Understanding Commercial Costs
How Commercial Financing Costs Work at Scale
Commercial financing operates on a fundamentally different level than small business lending. At $250K 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+ lenders competing for your financing means you see the full range — not just one bank's opinion. Structuring matters as much as rate: financing each asset with the product designed for it can save tens of thousands over the life of the loan.
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 — alongside the annual debt service and the revenue your business needs to comfortably cover it — so you can compare offers on a true apples-to-apples basis.
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Frequently Asked Questions
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The Commercial Funding Guide ($1M to $20M+)
Capital stacking, SBA 504, commercial real estate, and equipment portfolios — the structures behind every commercial deal.