Small Business Cost of Capital & Enterprise Intelligence Desk
Institutional macroeconomic intelligence built specifically for commercial founders, enterprise CFOs, and small business owners. Track real-time borrowing benchmarks, allowable Small Business Administration (SBA) loan rate spreads, commercial bank credit availability (Fed SLOOS), input margin compression indices, and treasury working capital sweep yields.
Small Business Cost of Capital & Enterprise Intelligence Desk
Institutional macroeconomic intelligence built specifically for commercial founders, enterprise CFOs, and small business owners. Track real-time borrowing benchmarks, allowable Small Business Administration (SBA) loan rate spreads, commercial bank credit availability (Fed SLOOS), input margin compression indices, and treasury working capital sweep yields.
The nationwide base reference rate posted by major commercial banks for corporate revolving credit lines and commercial loans.
Statutory maximum variable interest rate ceilings permitted by the SBA for standard commercial loans exceeding $50,000.
The modern post-LIBOR commercial loan benchmark utilized by regional banks for middle-market credit facilities and equipment loans.
Instant liquidity cash yield on 3-Month U.S. Treasury bills and short-duration cash equivalents ($SGOV), fully state-tax exempt.
Federal Reserve Credit Availability (SLOOS)
Senior Loan Officer Opinion Survey on Bank Lending Practices (Small C&I Firms)
Commercial Underwriting & Capital Models
Dedicated, institutional tools to stress-test commercial debt, evaluate SBA vs conventional structures, and eliminate operating cash drag.
Commercial Debt Service Coverage Ratio (DSCR) Underwriter
Dual-mode credit committee underwriter. Solve for debt coverage and test against revenue & interest rate shocks, or solve backwards to calculate maximum borrowing capacity.
• Mode B: Max Allowable Debt Capacity Solver
• Bank Approval Verdict (Approved / Conditional / Stressed)
• Dual Revenue & Rate Sensitivity Stress Matrix
SBA 7(a) vs. SBA 504 vs. Conventional Underwriter
Direct side-by-side cost and debt service comparison across the three primary commercial debt instruments. Calculates tiered SBA guaranty fees, blended rates, and total interest.
• SBA 504 Two-Tier Debenture (25Y Fixed Rate)
• Conventional Commercial Bank Loan with Balloon
• Statutory SBA SOP Tiered Guaranty Fee Schedule
Working Capital Cash Sweep Optimizer
Calculate the exact annual dollar cost ("Checking Cash Drag") of holding idle operating cash in commercial checking accounts versus automated short-term Treasury sweeps and SGOV.
• Checking Cash Drag Dollar Loss Calculator
• Treasury Bill ($SGOV) & Money Market Comparison
• Zero-Balance Account (ZBA) Operational Flow
Commercial Refinancing Cliff & Balloon Reset Underwriter
Stress-test maturing commercial debt. Quantify balloon payoff balance, monthly payment surge, annual cash flow contraction, post-reset DSCR, and required cash equity paydown to maintain bank covenants.
• Monthly Payment Surge & Annual Debt Service Shock HUD
• Required Cash Equity Paydown for 1.25x Covenant Compliance
• 7-Tier Interest Rate Reset Sensitivity Matrix (-150 to +200 bps)
CRE Debt Yield & Tripartite Loan Sizing Underwriter
Simultaneously evaluate commercial mortgages across the three mandatory credit committee covenants: Debt Yield (NOI / Loan), DSCR, and Maximum LTV to pinpoint the governing bottleneck and required equity check.
• Implied Capitalization Rate & Cash-on-Cash Return Analysis
• Property Type Presets (Multifamily, Industrial, Retail, Office)
• Interest Rate Shock & Sizing Sensitivity Matrix
By leaving $250,000 in commercial checking earning only 0.05% APY, this business forfeits approximately $4,638 per year ($386 / month) in risk-free yield compared to sweeping 50% ($125,000) into short-duration U.S. Treasuries or $SGOV.