Commercial Loan Amortization Schedule Builder
The Amortization Schedule builder generates a commercial loan payment schedule: monthly payment, principal and interest, remaining balance, and the balloon due at maturity. It also shows whether that debt service clears common DSCR screens against your NOI.
What it does
- Full month-by-month schedule: payment, principal, interest, and remaining balance
- Balloon-payment visibility for loans where the term is shorter than the amortization period
- DSCR check: see how the computed payment fits your NOI against common lender minimums
- Interest-only period support for bridge and construction-style structures
Frequently Asked Questions
How is a commercial amortization schedule different from a residential one?
Commercial loans are usually partially amortizing: the payment is calculated on a 25- or 30-year amortization, but the loan matures in 5, 7, or 10 years, leaving a balloon balance due at maturity. The schedule shows that balloon explicitly — it is the number that drives refinance planning.
What is a balloon payment and why does it matter?
The balloon is the principal still outstanding when the loan matures before it fully amortizes. It matters because you must refinance, sell, or pay it off at maturity — so the schedule's ending balance, not just the monthly payment, determines your exit risk.
Does the calculator handle interest-only periods?
Yes. You can model an initial interest-only period followed by amortizing payments, the structure most bridge and construction loans use. The schedule shows the payment step-up when amortization begins, which is exactly where DSCR pressure appears.
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