Commercial Loan Calculator

Estimate monthly commercial mortgage payments, balloon balances, interest-only periods, 10 year loan terms, 25 year amortization, and 360-day commercial loan scenarios.

Calculator

Live estimate
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Enter the principal amount you want to finance before ongoing servicing costs.
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A 10 year commercial loan can still use 20 or 25 year amortization and leave a balloon.
Some commercial lenders use 30/360 or 365/360 instead of a simple monthly estimate.
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Estimated monthly payment
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Balloon payment
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Total interest
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Total paid
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Principal vs interest
Quick facts
  • Term-
  • Amortization-
  • Type-
  • Basis-

Monthly Commercial Mortgage Calculator Results

Commercial loan calculator for monthly payment, interest only, 10 year term, 25 year amortization, and 360.
Balance over time

Commercial loan breakdown

Loan amount -
Fees financed -
Starting balance -
Starting monthly payment -
Payment after interest-only -
Balloon at maturity -
Total paid -
Total interest -

Planning notes

    Amortization schedule

    Month Payment Principal Interest Balance Type
    Quick start

    How to Use This Simple Commercial Loan Calculator

    1

    Enter the loan amount

    Start with the principal balance you expect the lender to fund.
    2

    Add a commercial loan rate

    Use a quote, a broker estimate, or a planning rate for your property type.
    3

    Set the term and amortization

    Model a 10 year commercial loan, a 25 year commercial mortgage, or a shorter balloon structure.
    4

    Choose payment type

    Switch between standard principal-and-interest and commercial loan calculator interest only mode.
    5

    Select 30/360 or 365/360

    Use the 360 setting when you want a closer estimate for lender-style commercial interest calculations.
    6

    Review payment, balloon, and schedule

    Use the result cards and amortization table to compare scenarios before speaking with a lender.

    Commercial Mortgage Calculator Basics

    Commercial real estate loans often behave differently from residential mortgages. The key differences are balloon terms, longer amortization schedules, and lender-specific interest calculations.

    Monthly commercial mortgage calculator: term vs amortization

    In commercial lending, the loan term is when the note comes due, while amortization is the longer schedule used to calculate the payment. This is why a deal can have a 10 year term and 25 year amortization at the same time.

    • 10 year term plus 25 year amortization means a lower payment but a balloon due at year 10
    • 25 year term plus 25 year amortization is fully amortizing if the loan runs to maturity

    Commercial loan calculator interest only scenarios

    Interest-only periods are common in bridge loans, construction financing, and some investor-focused commercial mortgages. They reduce the starting payment but delay principal reduction.

    • Lower initial payment
    • Higher remaining balance later
    • Often followed by a larger amortizing payment

    10 year commercial loan calculator use case

    A 10 year commercial loan calculator is useful when the lender offers a 5, 7, or 10 year note with a refinance expectation at maturity. Many commercial borrowers compare the monthly payment and balloon amount side by side.

    25 year commercial mortgage calculator use case

    A 25 year commercial mortgage calculator helps estimate lower debt service for owner-occupied or investment property financing. It is especially useful when the lender underwrites DSCR using a longer amortization period.

    High-Intent Scenarios

    Use one of these keyword-driven examples to jump straight into the most common commercial loan structures.

    Includes monthly commercial mortgage calculator, 10 year, 25 year, interest only, and 360 examples.

    10 year commercial loan calculator

    A classic commercial note term with longer amortization and a balloon at maturity.
    Term 10 years
    Amortization 25 years
    Type P&I

    Commercial loan calculator interest only

    Useful for bridge or transitional assets that need lower payments upfront.
    IO period 24 months
    Basis 365/360
    Term 3 years

    25 year commercial mortgage calculator

    A fully amortizing long-term example with no balloon if held to maturity.
    Term 25 years
    Amortization 25 years
    Balloon None

    Commercial Loan Calculator 360

    Compares a 365/360 style estimate against standard monthly planning assumptions.
    Basis 365/360
    Term 10 years
    Amortization 20 years

    Commercial Loan Rates

    Commercial mortgage rates move frequently, so use this section as a dated planning reference rather than a quote.

    Sample market snapshot: March 12, 2026
    Conventional
    4.99% - 8.75%

    Typical range cited for standard commercial mortgages.

    SBA 7(a)
    5.75% - 8.75%

    Often used for owner-occupied business property or mixed business uses.

    SBA 504
    5.61% - 5.79%

    Often seen in owner-occupied fixed asset financing structures.

    Bridge
    5.75% - 12.75%

    Higher flexibility, usually shorter term and often interest-only.

    What moves commercial loan rates?

    • Property type and occupancy
    • Loan-to-value and debt-service coverage
    • Borrower credit and net worth
    • Loan size, term, and amortization structure
    • Fixed vs floating rate and recourse terms

    Rate ranges above were gathered from commercial market references dated March 12, 2026. Actual lender pricing can change quickly and depends on deal structure.

    Commercial Loan Calculator Excel Formulas

    Many users want a commercial loan calculator Excel version for underwriting or quote comparison. These formulas cover the usual monthly payment workflow.

    Monthly commercial mortgage payment

    =PMT(AnnualRate/12, Years*12, -LoanAmount)

    Use this for a simple amortizing commercial mortgage estimate.

    Interest portion of a payment

    =IPMT(AnnualRate/12, 1, Years*12, -LoanAmount)

    Shows the interest part of the selected payment period.

    Principal portion of a payment

    =PPMT(AnnualRate/12, 1, Years*12, -LoanAmount)

    Helps you build an amortization table in Excel.

    Excel notes for commercial deals

    • Excel PMT assumes a standard fixed-rate amortizing loan unless you build date-based logic yourself.
    • Balloon structures usually require a remaining-balance formula after the shorter loan term ends.
    • 30/360 and 365/360 lender methods are often approximated, not perfectly replicated, in basic spreadsheets.

    Commercial Loan Calculator 360 vs 365

    Commercial loan documents may use different day-count conventions, which is why a standard mortgage formula does not always match the lender worksheet exactly.

    Simple monthly

    Uses APR divided by 12. This is the easiest planning method and works well for a fast estimate.

    30/360

    Treats each month as 30 days and the year as 360 days. Many commercial calculators describe this as a 360 basis.

    365/360 estimate

    Applies a slightly higher effective periodic interest assumption than APR divided by 12, which can better reflect some commercial lender calculations.

    Your lender's note, amortization schedule, and servicing platform control the final payment calculation. This tool gives a planning estimate, not legal loan terms.

    Commercial Loan Calculator FAQ

    Common questions about commercial mortgage payments, rates, balloon structures, Excel formulas, and 360-day calculations.

    Most commercial loan payments start with the standard amortization formula using loan amount, rate, and amortization period. Commercial deals often add a shorter term, which can leave a balloon payment due at maturity.

    A 10 year commercial loan usually describes the note term. A 25 year commercial mortgage usually describes the amortization schedule. When the term is shorter than the amortization, the unpaid balance becomes a balloon.

    Interest-only means the starting payments cover interest but not scheduled principal reduction. When the interest-only period ends, the payment usually rises because the remaining balance must amortize over fewer months.

    Commercial lenders often structure notes with shorter maturities than amortization periods. That lowers the scheduled payment but leaves a remaining principal balance that must be refinanced or paid off at maturity.

    It usually refers to a day-count convention such as 30/360 or 365/360. Those methods can produce slightly different interest results than a basic APR divided by 12 calculation.

    Yes. The page gives a fast browser-based estimate and also includes PMT, IPMT, and PPMT formulas you can use to recreate a similar model in Excel.

    Commercial loan rates vary with property type, leverage, borrower strength, and market conditions. Use the dated rate snapshot on this page only as a planning range, not a binding quote.

    Yes. It is useful for owner-occupied and investment property planning as long as you understand the result is an estimate. Final underwriting and lender documents determine the exact payment.

    Ready to model a commercial mortgage payment?

    Run the calculator, compare term and amortization options, and copy the summary for your next lender conversation.

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