How much can you borrow?

It depends on three things: the property's value (or purchase price), its Net Operating Income (NOI), and the property type. Lenders size loans as a percentage of value — typically 65-80% LTV — and stress-test that loan against the property's cashflow via DSCR. Multifamily and industrial typically qualify for higher LTV (75%+); office and hotel are lower (60-70%). This tool gives you the actual dollar figure in 60 seconds using the same math a lender's underwriter will run.

Yes. Pick 'Buying' → 'Business' and answer whether commercial real estate is part of the deal. This is the single most important variable — SBA 7(a) loans with real estate amortize over 25 years at Prime (~6.25%); business-only loans (goodwill, equipment, working capital with no RE) amortize over just 10 years at Prime + 1% (~7.25%). The same $1.5M loan is $9,893/month with RE vs $17,596/month business-only — a 78% payment jump that changes DSCR from 1.69× (strong) to 0.95× (declined). The tool applies the right amortization + rate automatically.

Yes. Pick 'Need working capital' as your intent and the tool routes to SBA Express sizing: up to $500K, 36-hour approval with a Preferred Lender. Eligibility requires $250K+ annual revenue and typically 2+ years operating history. The loan is sized on cashflow, not collateral — the tool uses the lower of $500K cap, 6 months of monthly cashflow, or 15% of annual revenue as the underwriting-comfortable amount.

DSCR = Debt Service Coverage Ratio = NOI ÷ annual debt service. It's the number lenders lead with. Most permanent commercial lenders want 1.20-1.30× minimum; hotels and marginal assets need 1.35×+; multifamily and SFR are lower (1.00-1.20×). If DSCR doesn't clear the threshold, the loan doesn't fund — regardless of LTV or credit. The tool computes DSCR against the fully-amortizing payment (not the interest-only payment during an IO period), matching how lenders actually underwrite.

Bank calculators show only what THAT bank will fund at THEIR box. Ours shows what the deal supports across our 500+ lender network — every asset class, every product (bank, agency, SBA, CMBS, DSCR, bridge, private). Also: bank calculators often use the interest-only payment for DSCR (which inflates the number), 30-year amortization for SBA business acquisitions (which is wrong — the max is 10 years without RE), or generic 25-year amort for every asset type. Ours applies the right amortization for the right product.

No. Nothing you enter here is sent to a credit bureau or a lender. The quiz runs entirely in your browser — nothing is stored, transmitted, or logged unless you click 'Start my application' to open the borrower portal (where a real application collects the info lenders need to underwrite).

It's directional — 80-90% accurate at the mid-market case, less accurate for value-add / distressed / transitional assets where an appraiser's judgment on future NOI matters more than the current number. Real lender term sheets depend on appraisal, sponsor financials, market conditions, and each lender's current appetite. The tool tells you the range you should be talking about; the application produces the actual term sheets.

That verdict means the deal as-sized won't clear mainstream lender underwriting today — usually because DSCR falls short, LTV is too aggressive for the asset class, or the amortization the borrower assumed doesn't match reality. Talk to a Caplli advisor. Often we can restructure into a fundable shape: adding equity, splitting the debt stack (bridge → perm), phased construction draws, or seller financing on standby for acquisitions.

Commercial real estate (retail, office, industrial, mixed-use, self-storage), hotel & hospitality, multifamily (5+ units), residential SFR investment (1-4 unit DSCR / Non-QM), owner-occupied CRE (SBA 7a/504), business acquisitions with or without real estate, business refinance, and SBA Express working capital. Loan sizes $250K (SBA Express) to $50M+ (institutional CRE). Nationwide with a Texas-based advisory team.

No. The quiz shows your result — max loan amount, monthly payment, DSCR, down payment, verdict — right in your browser with no email required. If you want to work on placing the deal, the CTAs go to the application portal or a direct phone number. We never promise to email you a lender shortlist because that's not how commercial placement works — it's an advisor-led process, not a directory download.