Interest-rate comparison

See how the same loan amount and term change at one percentage point below and above the entered rate. These are calculator scenarios, not lender quotes.

APR	Scenario	Monthly Payment	Annual Debt Service

Debt Amortization

Loan amortization schedule

Year	Payments	Beginning Balance	Principal	Interest	Total Paid	Ending Balance
Enter a scenario above to calculate the schedule.

Separate Tax-Basis Schedule

Estimated IRS Section 197 liquor-license amortization

For a qualifying acquired government-granted license or permit, IRS Section 197 generally provides ratable amortization over 15 years (180 months), beginning with the later of the acquisition month or the month the trade or business or income-producing activity begins. Enter the tax basis actually allocated to the liquor license.

Tax basis allocated to liquor licenseTax basis is intentionally separate from the loan amount. Confirm the actual allocated basis with your tax adviser.Section 197 amortization start monthUse the applicable Section 197 start month, not automatically the loan closing or first-payment month.

Entered Tax Basis$0

Monthly Amortization$0.00

Annualized 12-Month Amount$0.00

Remaining Section 197 Period—

Tax Year	Months	Beginning Basis	Estimated Amortization	Ending Basis
Enter the applicable tax basis and start month to calculate the schedule.

Purchase versus refinance: loan amortization and federal tax amortization are different calculations. A refinance by itself generally does not create a new tax basis or restart a new 180-month Section 197 period. Review the IRS Instructions for Form 4562 and confirm your facts with a qualified tax adviser.

Request Liquor License Financing Order a License Appraisal View Licenses for Sale

Calculator estimates assume a fully amortizing, fixed-rate loan with monthly principal-and-interest payments and no balloon payment. Results exclude lender fees, legal fees, appraisal costs, SBA guaranty fees, closing costs, taxes, insurance and other transaction charges. Financing is subject to lender underwriting and final documentation. Section 197 results are informational estimates only and are not tax, legal or accounting advice. Florida Statutes § 561.65 contains separate requirements for perfection and enforcement of qualifying liens or security interests in spirituous alcoholic-beverage licenses.

Request FinancingSubmit the county, license type, transaction value and financing amount for lender review.Order a License AppraisalDocument county-specific collateral value for purchase, refinance or lender review.Read the Financing GuideSee how private lenders evaluate Florida quota-license collateral and transaction structure.