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Resources

Tools & Calculators

Run quick numbers on your next deal. Estimate payments, compare swap scenarios, and evaluate your next commercial real estate financing.

Mortgage Calculator Rate Swap Calculator Yield Maintenance

Commercial Mortgage Calculator

Enter your loan details below to estimate monthly payments and total costs.

Loan Summary

Estimated Monthly Payment
$63,207
Principal & Interest
Loan Amount $10,000,000
Interest Rate 6.50%
Loan Term 10 Years
Amortization 30 Years
Total Interest (over term) $5,584,866
Balloon Balance $8,507,572
View Amortization Schedule (Annual)
Year Payment Principal Interest Balance
Disclaimer: This calculator provides estimates for informational purposes only. Actual loan terms, rates, and payments will vary based on creditworthiness, property type, market conditions, and lender requirements. Contact Banyan Commercial Capital for a personalized quote on your specific deal.
Tool #2

Interest Rate Swap Calculator

Compare floating vs. fixed rate scenarios. See how an interest rate swap converts your variable-rate exposure into a predictable fixed payment.

Swap Parameters

Enter your loan and swap details to compare floating vs. swapped fixed rate costs.

Swap Analysis

Monthly Savings with Swap
$3,333
Based on current rates (Year 1)
Floating Rate (No Swap)
Current Floating Rate 6.33%
Monthly Floating Payment $52,750
Total Interest (floating, projected) $3,003,750
Swapped Fixed Rate
All-In Fixed Rate 5.85%
Monthly Fixed Payment $48,750
Total Interest (fixed) $2,925,000
Projected Net Savings $78,750
Over 5-year swap term (assuming projected SOFR path)
View Year-by-Year Comparison
Year SOFR Floating Rate Float Cost Fixed Cost Savings
Disclaimer: This swap calculator provides simplified estimates for illustration only. Actual swap pricing depends on the yield curve, counterparty credit, day-count conventions, and market conditions at execution. SOFR projections are hypothetical. Contact Banyan Commercial Capital to discuss hedging strategies for your specific deal.

Yield Maintenance Calculator

Estimate the prepayment penalty for paying off a fixed-rate commercial loan early. Yield maintenance compensates the lender for lost interest income.

Prepayment Summary

Estimated YM Penalty
$969,193
9.69% of balance
Outstanding Balance $10,000,000
Note Rate 6.50%
Treasury Rate 4.25%
Rate Differential 2.25%
Remaining Term 60 Months
Total Payoff Amount $10,969,193
View Month-by-Month Breakdown
Month Balance Note Pmt Treasury Pmt Differential
Disclaimer: This is an estimate for discussion purposes only. Actual prepayment penalties depend on the specific loan documents, the lender's calculation methodology, day-count conventions, and prevailing Treasury rates at the time of prepayment. Some lenders use different formulas or include minimum penalties. Always consult your loan agreement and contact Banyan Commercial Capital for guidance on your specific situation.

More Tools

Additional calculators and resources to help you evaluate your next commercial real estate deal.

DSCR Calculator

Quickly calculate your Debt Service Coverage Ratio to see if your property qualifies for financing.

Coming Soon

Cap Rate Analyzer

Evaluate property values and returns using capitalization rates across different markets.

Coming Soon

Cash-on-Cash Return

Measure your annual return on the actual cash invested in your commercial property.

Coming Soon

Need a Real Quote?

Our calculators give you a starting point — but every deal is unique. Let us run real numbers with actual lender terms for your specific property.

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