Tools
Tools for commercial lenders
Working tools for the calculations and evaluations commercial credit officers run every week. More launching through 2026.
Aloan Fit Assessment
Answer a few questions about your lending operations and get a personalized report showing how Aloan would change your underwriting throughput, turnaround time, and credit team capacity.
Open the assessment Cash flowDSCR Calculator
Calculate Debt Service Coverage Ratio with built-in stress scenarios for interest rate and NOI declines. The most-cited metric in commercial credit, with a working tool behind it.
Open calculator Cash flowGlobal Cash Flow Calculator
Multi-entity, multi-guarantor global cash flow rollup. The analysis behind every SBA and owner-occupied CRE deal — operating company plus real estate plus guarantor income.
Open calculator Loan structureLoan Pricing Calculator
RAROC-style loan pricing — cost of funds, expected loss, operating cost, capital allocation, and target return. See whether a proposed rate clears your hurdle.
Open calculator Real estateCap Rate & Debt Yield Calculator
Property-level cap rate, debt yield, and LTV for CRE underwriting. Computes the maximum loan supportable at your target debt yield.
Open calculator SBASBA FCCR Calculator
Fixed Charge Coverage Ratio for SBA 7(a) and 504 underwriting. Toggle owner distributions and additional fixed charges to see how lender-policy disagreements move the ratio.
Open calculator Portfolio monitoringCovenant Headroom Calculator
Quantify covenant cushion before a breach. Works for DSCR, fixed charge coverage, leverage, debt yield, and current ratio, with absolute cushion and percentage headroom against the threshold from the credit agreement.
Open calculator Portfolio monitoringCRE Concentration Ratio Calculator
Measure both interagency supervisory criteria — 100% CLD and 300% total CRE against Tier 1 plus ACL — with headroom in dollars and basis points and the 36-month growth flag examiners look at next.
Open calculatorSee how Aloan automates the calculations behind these tools
The tools above run the metrics. Aloan runs the full underwriting analysis on a real deal — spreading, multi-entity global cash flow, source-cited credit memo.