Free tool
Restaurant loan calculator
Estimate payments for a restaurant loan or equipment financing, and see whether your cash flow supports it.
$
$
Profit plus depreciation and interest, minus a fair owner salary.
Estimated monthly payment—
- Weekly equivalent
- —
- Total interest
- —
- Total of payments
- —
- Debt service coverage
- —
Estimates only. Assumes a fully amortizing loan with fixed payments and excludes fees. Not an offer of credit.
Use it for equipment, too
Pricing a new walk-in, hood, or kitchen package? Enter the installed cost and try a 5- or 7-year term to see a typical equipment financing payment. Then compare it with what the equipment saves or earns: fewer breakdowns, lower energy bills, more covers.
What lenders look for
| Debt service coverage | What it means |
|---|---|
| Below 1.00x | Cash flow doesn't cover the payment |
| 1.00x – 1.24x | Tight. Little cushion for a slow month |
| 1.25x – 1.49x | Generally acceptable to most lenders |
| 1.50x+ | Strong. Better leverage on terms |