Dilia WoodBorrower Intelligence

SBA loan preparation · repayment preflight

See the repayment relationship before you apply.

Model your own ability to repay using transparent arithmetic. See what changes the relationship—before a lender evaluates the wider file.

Private by designRuns in this browserNo account · Nothing stored · No inputs transmitted
01

Enter the business numbers

Use a lender quote when you have one, or model a scenario.

Income after operating expenses, before debt service.

Annual principal and interest for business debt already in place.

The principal you want to model—not a program limit.

Use a current quote or a scenario rate. Rates change.

Enter the modeled repayment period in years.

Use a lender-provided number or load the labeled example.

The example uses $180,000 NOI, a $1,000,000 loan at 7.5% for 25 years, and a 1.25 comparison threshold. It is illustrative, not a current quote or universal lender standard.

02

Read the relationship

Arithmetic first. Interpretation second.

Enter your numbers and run the preflight. Your result will appear here without sending the inputs anywhere.

What this shows

One relationship, made visible.

The tool estimates principal and interest for the proposed loan, adds existing annual business debt service, and divides the NOI you entered by that total.

What it does not decide

Not eligibility. Not approval.

Lenders may adjust cash flow and debt differently. They also examine credit, collateral, equity, global cash flow, policy, and the complete transaction.

Your threshold

A comparison, not a promise.

Enter a number supplied by your lender when possible. A loaded example is labeled as such and is not presented as an SBA rule.

Methodology, rounding, and source boundary

The proposed payment uses the standard fixed-payment amortization formula with monthly payments. A zero-rate scenario divides principal evenly across the number of months. The result then annualizes twelve monthly payments.

Calculations use unrounded values. Currency is displayed to the nearest dollar and DSCR to two decimal places, so a displayed boundary may conceal a small underlying difference.

SBA states that most 7(a) term loans use monthly principal-and-interest payments and that repayment terms vary. This tool does not embed an SBA approval threshold. Source last reviewed August 25, 2026: SBA 7(a) loans.

Professional boundary

Preparation, not transaction-specific advice.

Estimates are for educational preparation. This application is not a lender, broker, packager, CDC, CPA, attorney, eligibility tool, underwriting system, quote, commitment, or lending decision. Confirm the inputs and method that apply to your transaction with the appropriate professionals.