Calculators
What the financing costs
Commitment, legal, appraisal and environmental fees added up — and what they do to the real cost of the money once the term is taken into account.
Cost of the financing
The rate is not the price.
Commercial financing carries costs the rate never shows: a commitment fee, two sets of legal bills, an appraisal, often an environmental report. Add them up and they change what the money actually costs — and the shorter the loan, the harder they bite, because the same dollars are spread over fewer payments.
The facility
The costs
“What the money really costs” is the rate that makes the payments you will actually make equal the money you actually keep after the costs come out. It is the only figure that lets you compare two offers priced differently. Arithmetic on figures you supplied — not a quote. Arithmetic last checked for accuracy on October 15, 2026.
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A calculator is a starting point, not an answer
Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.