Banking
Disclaimer
Reviewed October 1, 2026 by Brandon Chiesa, a Central Virginia business banker with 15+ years of experience.
Educational information only.
The calculators, templates, guides, and articles in this section are general educational information. They are not financial, legal, tax, or accounting advice, and they are not a recommendation about any specific loan, lender, or product.
Not an offer or commitment to lend.
Nothing here is an offer of credit, a commitment to lend, a loan application, or a promise that any business will qualify or be approved.
Calculators give estimates only.
Results depend entirely on the numbers you enter and on simplified assumptions. Actual payments, rates, fees, and terms depend on the lender, your credit, your business's financial condition, collateral, and final credit approval. Example interest rates are for illustration only and are not quotes.
My views are my own.
I am a Central Virginia business banker with 15+ years of experience. This is my personal website. It is not affiliated with, endorsed by, or tied to First Citizens Bank or any employer, and nothing here represents the views, policies, products, or underwriting standards of any employer or financial institution.
SBA program details change.
SBA rules, forms, fees, and limits change, sometimes several times a year. Information in this section was checked on October 1, 2026. Always verify current details at SBA.gov or with a lender before making decisions.
Talk to your own advisors.
Before you borrow, sign, or make a financial decision, consult your own lender, accountant, attorney, or other qualified advisor who knows your situation.
No data collected by the tools.
The calculators run in your browser. Please do not send me personal or business financial information through this site.
Accuracy.
I work to keep this information accurate and current, but I cannot guarantee it is complete, error-free, or up to date. Use it at your own risk.