Prompt · Finance

Loan Reality Check

Pressure-tests a business loan offer against your cash flow.

Have ready: Paste loan terms and current revenue/profit

Fill in · 3 fields

Xequipment / expansion / working capitalequipment/expansion

Your prompt

Should I take this loan? Run the numbers coldly.

Loan amount: $[X], rate: [X]%, term: [X] years, fees: $[X]
What I'd use it for: [equipment / expansion / working capital]
Current monthly revenue: $[X], monthly profit: $[X]

Calculate: monthly payment, total cost of the loan, debt service coverage ratio, and what % of monthly profit the payment eats. Then compare against my stated use: will the funded [equipment/expansion] generate enough return to beat the loan cost? Give me a yes/no with the break-even condition stated explicitly.

Paste it into Muse or any assistant. Blank fields stay as [brackets].

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