No sign-ups required. No spreadsheets. Just bank-grade sizing logic tailored to South African lenders.
Start with your details, then capture the property numbers to generate the bank-ready pack.
Assumes 11% interest, 120-month term, and 1.25× DSCR to convert net rent into a loan amount.
Built using the same credit metrics commercial banks apply when they size deals.
Enter your monthly rental income and estimate operating costs. We calculate your NOI automatically.
We use the standard lender cap rate together with your DSCR and loan terms to size the debt.
Get a bank-ready PDF showing valuation, loan size, and repayment schedule — perfect for credit committees.
We size the loan using NOI, DSCR, and cap rates copied from SA bank credit policies. It mirrors the logic you’ll see in term sheets.
Debt Service Cover Ratio (DSCR) shows how comfortably your net rent covers the loan instalment. Banks typically want 1.20×–1.35×.
Your numbers are used to generate the summary and email it to you. We keep it POPIA-compliant and never share without permission.
The calculator is optimised for income-producing commercial properties. For residential portfolios, reach out and we’ll point you to the right tool.
Banks size valuation and affordability off NOI (net operating income).
We keep the cap rate at 10% from the quick snapshot — adjust bank terms here if your lender differs.
Tip: Prime sits around 11% today — adjust if your lender quotes a margin. Most commercial loans amortise over 10–15 years, but some banks stretch to 20+ for strong assets. DSCR (Debt Service Cover Ratio) shows how many times your NOI covers the instalment — banks usually want 1.20×–1.35×.Share your details so we can prep a lender-ready pack for you.
Most commercial deals stall because lenders can’t see who stands behind the asset. Complete these details so your pack answers every credit question up front.
| Shareholder | Shareholding % | |
|---|---|---|
| Total | 0% |
Default owner is set to 100%. Update or add shareholders if more than one owner.
Add key tenants (3–5 is plenty). We’ll summarise the lease profile.
Optional — skip this for single-tenant or vacant properties.
| Tenant | Type | Rate/m² | GLA (m²) | Lease End | Renewals | Recoveries/m² |
|---|