Our Services
🎯 Why Choose Our Services?
Get instant, professional-grade loan analysis that would typically cost hundreds of dollars from financial consultants. Our tools provide bank-level accuracy with user-friendly interfaces, completely free.
DSCR Loan Strategy Calculator
Our flagship Debt Service Coverage Ratio calculator provides comprehensive business loan analysis, helping you understand your borrowing capacity and qualification prospects before approaching lenders.
📊 Real-Time DSCR Calculation
Instantly calculate your debt service coverage ratio with live updates as you adjust parameters
💰 Borrowing Capacity Analysis
Discover your maximum loan amounts at different risk levels (1.25×, 1.50×, 2.00× DSCR)
🎯 Strategic Recommendations
Get personalized advice on loan structure and qualification improvement strategies
📈 Scenario Planning
Test different loan amounts, rates, and terms to find your optimal financing strategy
👥 Perfect For:
Business Owners seeking SBA loans, commercial mortgages, or equipment financing • Entrepreneurs planning expansion or acquisition financing • Financial Professionals conducting client loan pre-qualification
Refinancing Analyzer
Make informed refinancing decisions with our comprehensive analyzer that factors in closing costs, break-even timelines, and long-term savings to determine if refinancing makes financial sense for your situation.
💡 Break-Even Analysis
Calculate exactly when you'll recover closing costs and start saving money
🏦 Rate Comparison
Compare your current loan with new offers including all fees and costs
⏰ Timeline Planning
Factor in how long you plan to stay in your home or keep the loan
📋 Decision Guidance
Clear recommendations based on your specific financial situation
👥 Perfect For:
Homeowners considering mortgage refinancing • Property Investors optimizing their loan portfolio • Business Owners evaluating commercial property refinancing options
How Our Services Work
Enter Your Information
Input your loan parameters and financial details into our secure calculators
Get Instant Analysis
Receive immediate calculations and qualification assessments
Review Recommendations
Understand your options with detailed explanations and strategic advice
Make Informed Decisions
Proceed with confidence using professional-grade analysis
Service Comparison
| Service | Best For | Key Features | Time Required |
|---|---|---|---|
| DSCR Calculator | Business loan qualification | Borrowing capacity, DSCR analysis, strategic planning | 2-3 minutes |
| Refinancing Analyzer | Refinancing decisions | Break-even analysis, cost comparison, timeline planning | 3-5 minutes |
Why Loan-Wise Services Stand Out
🚀 Professional-Grade Accuracy
Bank-level calculations using industry-standard formulas and methodologies
⚡ Instant Results
No waiting periods or lengthy applications - get answers immediately
🔒 Complete Privacy
No data storage, tracking, or sharing - your information stays private
💰 Always Free
Professional loan analysis tools at no cost - no hidden fees or subscriptions
📱 Any Device
Full functionality on desktop, tablet, and mobile devices
🎓 Educational Focus
Learn while you calculate with detailed explanations and guidance
Additional Services
Financial Education Resources
Beyond our calculators, we provide comprehensive educational content to help you understand loan concepts, qualification requirements, and strategic borrowing approaches.
- Loan Terminology Guides - Understand industry terms and concepts
- Qualification Tips - Learn how to improve your loan approval odds
- Strategic Insights - Best practices for loan structure and timing
- Market Updates - Stay informed about lending trends and rates
🎯 Ready to Get Started?
Choose the service that matches your needs and get professional loan analysis in minutes. All our tools are free, private, and available 24/7.
No registration required • No data collection • Professional results guaranteed
All our services provide educational estimates and analysis. Always confirm details with qualified lenders and financial professionals before making final borrowing decisions.