How Much Can I Borrow? - Retail Center

Are you looking for a loan to finance a retail property? Find out the maximum loan amount that you will qualify for. Please note that this information should be used as a guideline and is not a commitment to lend. We are here to finance your retail building.

Maximum Retail Loan Amount Calculator
100% Gross Potential Income⁽¹⁾	$
100% CAM Reimbursement	$
Total Operating Income	$
Less Vacancy and Uncollectibles⁽²⁾	$
Effective Gross Income	$
Less Expenses⁽³⁾
Taxes	$
Insurance	$
Utilities	$
Management⁽⁴⁾	$
Trash	$
Maintenance & Repairs	$
Parking Lot Control	$
Administrative	$
Miscellaneous	$
Total Operating Expenses	$ % of TOI
Net Operating Income	$
Less
Total Sq Ft	Sq.Ft
Capital Reserves⁽⁵⁾	$
Tenant Improvement Reserves⁽⁶⁾	$
Leasing Commission Reserves⁽⁷⁾	$
Total Below Line Expense	$
Cash Flow Available to Service Debt	$

Interest Rate	%
Amortization	years
Debt Service Coverage⁽⁸⁾
Loan Amount	$

Definitions

Sum of all actual income assuming 100% occupancy.
Input actual vacancy and uncollectables. If input is less than 5% of Gross Potential Income, model will automatically default to greater number.
Input actual expenses with necessary adjustments for Taxes and Insurance. Use Miscellaneous as a catch all.
Input actual management expenses. If input is less than 5% of Effective Potential Income, model will automatically default to greater number.
Use greater of $.15/sq. ft. or actual.
Use greater of $.60/sq. ft. or actual.
Use greater of $.40/sq. ft. or actual.
Defaults to 1.2 times.

Note: The commercial mortgage calculators displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any calculation errors resulting from the use of these calculators.

How Much Can I Borrow? - Retail Center

Definitions

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