BOLLARDCommercial Capital

Calculators

Commercial math,
shown in full

A residential payment widget with the labels changed is not a commercial calculator. These six model the things that actually decide a commercial deal: a three-part capital stack, three sizing tests, a balloon that arrives before the loan is paid off, and the cost of short-term money.

Illustrative only. Bollard is a fictional business built as a website demonstration — the figures below are worked examples, not an offer, a quote or a rate sheet.

01

The set

Six models, and what each one answers

01

SBA 504 stack and blended cost

What does a three-part capital stack actually cost me each month?

Build the bank first, the CDC debenture and your equity from a project budget, and see the blended debt constant next to a conventional loan on the same building.

  • Three-band stack
  • Two payments and one total
  • Blended debt constant
  • Side-by-side against a conventional loan
Open the model
02

DSCR, debt yield and loan sizing

How large a loan does this property actually support, and which test stops it?

Build net operating income from the rent roll, then size the loan under LTV, coverage and debt yield at once. The binding constraint is named, with the gap to the next one.

  • Underwritten NOI
  • Three sizing tests
  • The binding constraint, named
  • Cap rate, DSCR and debt yield
Open the model
03

Amortisation, interest-only and the balloon

What is left on the day this loan matures?

A commercial schedule with an interest-only period, an amortisation term and a separate maturity — month and year views, a full table, and the balloon in dollars.

  • Balloon at maturity
  • Month and year schedule
  • Principal against interest per period
  • Cumulative interest curve
Open the model
04

Lease versus own

Is buying the building better than renewing the lease?

Escalating rent against ownership cost, equity build and the value of the building at your horizon — with the crossover year, if there is one.

  • Break-even year
  • Cumulative rent against net ownership cost
  • Equity built
  • Every assumption on screen
Open the model
05

Bridge and construction carry

What does short-term money cost me before the take-out?

Draw curve, interest carry, points and exit fee — the all-in cost of a bridge or construction loan, and what it works out to annualised.

  • Total carry to maturity
  • Interest reserve needed
  • All-in cost as a percentage
  • Effective annualised cost
Open the model
06

Refinance break-even

Does this refinance pay back before I sell or mature?

New rate against closing costs and the prepayment penalty on the loan you are leaving — the month it turns positive, and what it is worth at five years.

  • Break-even month
  • Monthly change in payment
  • Cumulative position curve
  • Cash-out sized into the new loan
Open the model
02

How they work

Every input is in the address bar

Change a slider and the URL changes with it. That is the whole sharing mechanism: copy the link and whoever opens it sees exactly your figures, not the defaults.

Send a result

Copy the link, post it, or open it in your own mail client. No third-party share SDKs and no tracking pixels — they are plain links.

Nothing is stored

These calculators do not save your figures anywhere. Reload without the link and you are back to the worked example.

No rate is implied

Every rate on these pages is one you typed. Nothing here is a quote, an APR, an offer or a commitment.

Next bay

Numbers first, conversation second

Model the deal, then send it. A desk can tell you in one call which of your assumptions a lender will not accept — usually the vacancy rate, occasionally the expense line, and almost always the appreciation.

Submit a deal scenario Work the numbers first

Or call the desk

(816) 555-0142

Monday to Friday, 8am – 6pm Central

A demonstration number in the range reserved for fiction. It does not ring anywhere.