CRE Loan Calculator

If you’re a business owner or real estate investor, you might need to buy or renovate property—that’s where a commercial real estate (CRE) loan comes in. Use our Commercial Real Estate Loan calculator to help you estimate your loan payment.
Loan Amount
Interest Rate
Factor Rate
Repayment Term
Repayment Term
Repayment Term
Est. Payment
Minimum payment:
Time to Payoff:
Interest paid:

Commercial Real Estate Loan Qualifications

Time in Business

No Requirement

Annual Revenue

No Requirement

Credit Score


Funding Amounts
Up to 30M
5.99% - 14.99%
6 months - 30 years
Processing Time
30 - 60 days
How to Calculate Your Real Estate Loan?

How to Calculate Your Real Estate Loan?

When searching for a real estate loan, it’s important to ensure you get the best deal, especially since these loans are often the largest compared to other funding types and therefore could have the highest monthly payments. 

Before applying for a real estate loan, utilize the Lendzero Real Estate loan calculator to see your monthly payments.

Insert the information below:

  • Requested loan amount: You may borrow as much as $15M.
  • Interest rate: Rates for working capital loans provided by Lendzero’s partners begin at 3.00%.
  • Repayment term: Working capital loans have a wide range of repayment terms. The range can vary from five years to 30 years.
How to Use the Real Estate Loan Calculator?

How to Use the Real Estate Loan Calculator?

Use our Real Estate loan calculator to calculate the expenses of numerous types of real estate loans. For example, you can use our calculator as a:

  • Conventional mortgage calculator
  • Construction loan calculator
  • Bridge loan calculator
  • Blanket loan calculator
  • SBA 7(a) or 504 loan calculator

Sample of How to Utilize the Real Estate Loan Calculator

For example, Tom’s Bakery wants a $1M loan to purchase a commercial real estate property priced at $1.25M. Real estate lenders will almost always require you to provide a down payment. In this case, Tom wants to put down 20% of the purchase price and have the lender cover the remaining $1M.

Tom applies for a real estate loan and receives approval for the $1M loan amount at an interest rate of 5% over 30 years.

By entering Tom’s $1M loan amount, 5% interest rate and 30-year repayment term into the Real Estate loan calculator, we can see Tom would need to pay $5,368/month for 30 years.

Components of the invoice financing calculator

Components of the invoice financing calculator

The Real Estate loan calculator will show you the exact amount you’ll need to repay each month in both interest and principal. 

To be clear, definitions are below.

  • Loan amount: Total amount of debt you will owe to the lender.
  • Interest rate: Proportion of the loan that is charged as interest to you. It is shown as an annual percent of the outstanding debt.
  • Repayment term: Amount of time the debt will be outstanding. The loan may be fully amortized, but that might not be the case. If it is the latter, there will be a balloon payment at the end of the repayment term.
What to watch out for

What to watch out for

Keep in mind your lender could charge an origination fee upfront. 

Lenders have different types of fees and there are many factors they consider when it comes to determining the size of their fee for each loan. 

For example, some may require a fee be paid based on the length of the repayment term. Other capital providers might charge one flat fee based on the interest rate. Finally, some might charge a fee based on a percent of the total loan amount.

In addition, if you default or miss a payment, there will be may be additional fees. 

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