01
Formula
Payment = P × r ÷ (1 − (1 + r)^−n).
P is the amount you typed. r is the annual rate divided by 1,200. n is years times 12. The formula assumes a fixed rate and a balance that reaches zero at the last payment.
Apply for financingEducational only
Commercial mortgage calculator for a fixed payment
This commercial mortgage calculator shows the standard fully amortizing payment from an amount, an annual rate, and a term in years. Dengaro does not offer commercial mortgages. The rate is an assumption you set. It is not a quote, an approval, or a rate from Dengaro.
Illustrative payment
$2,661.21/mo
Total interest$558,035.59
Total paid$958,035.59
Term360 months
Educational illustration only. Dengaro is a brand of Funding Routes LLC and is not the lender. Dengaro does not offer this loan product. Any rate is an assumption you set, not a quote.
How it works
The payment is principal, rate, and months.
Monthly rate is the annual rate divided by 12. Payment equals principal times that rate, divided by 1 minus (1 + rate) to the power of negative months. At a zero rate the payment is principal divided by months. A $400,000 illustration at 7 percent for 30 years is 360 payments. Total interest is payment times months, minus principal. Taxes, insurance, interest-only periods, and a balloon are not in the figure. Dengaro is a brand of Funding Routes LLC. It arranges equipment financing. It is not a mortgage lender and it does not promise a payment.
02
Example
The $400,000, 7 percent, 30 year fields.
Leave them and read the payment above. Change the rate and the payment and the interest total both move. The 7 percent figure is an assumption for the example, not a commercial mortgage rate Dengaro is offering. Dengaro does not offer commercial mortgages.
03
Limit
A building loan is a different product.
This page does not collect rent, loan-to-value, or a property address. It will not tell you whether a building loan fits. Use it to see how a fixed payment behaves. Then talk to a mortgage lender if a building is the purchase.
04
Equipment
Equipment is the request Dengaro can take.
If the business is buying a machine rather than a building, the button opens an equipment financing application. The mortgage amount is not sent as the loan amount. Dengaro does not offer commercial mortgages.
Important questions
Know what to expect.
Does Dengaro make commercial mortgages?+
No. Dengaro does not offer commercial mortgages. This commercial mortgage calculator is an educational payment formula only.
Are taxes and insurance in the payment?+
No. The payment is principal and the interest from the rate you entered. Escrow for taxes and insurance would be added by a lender. They are not estimated here.
Why convert years to months?+
The standard amortizing formula is monthly. Thirty years is 360 months. A term that is not a whole year still works if you type the years, including a decimal.
Will this payment be approved?+
No. Nothing on this page is an approval, a prequalification, or a rate offer. A mortgage lender makes that decision. Dengaro is not that lender.
Equipment financing