Loan concepts, explained
Understand the numbers before the banker quotes them.
Five concepts every SME borrower should know — installments, effective-rate conversion, DSCR, comparing offers, and refinancing. Plain English, with worked examples.
Five concepts that decide your loan.
Monthly installment
LiveHow banks calculate what you pay each month — plus a live calculator with effective-rate conversion.
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Effective rate converter
LiveConvert flat rate to effective rate, effective rate to flat rate, or infer both from a monthly installment.
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DSCR — Debt Service Coverage Ratio
The single most important metric credit officers use to decide if you can afford the loan you’re asking for.
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Comparing loan offers
LiveTwo quotes with the same monthly can differ by tens of thousands. Run both offers side-by-side over your real holding period.
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Refinancing logic
LiveWhen switching genuinely saves money — and when the "break-even in 10 months" pitch hides a stretched-tenure trap.
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Want real numbers on your case?
Every business is different. WhatsApp us your real figures and we’ll walk through the math together, specific to your situation — no generic calculator output.