Investor Tools
Private Lending Payment Estimator
Loan inputs
Payment structure
Enter loan amount, rate, and term — then choose interest-only or amortized.
Frequently asked questions
What is an interest-only payment?+
You pay only interest each month; principal balance typically stays the same until payoff, sale, or refinance. Common on short-term private loans.
How is an amortized payment different?+
Each payment includes principal and interest. Over time, more goes to principal. Total interest over the term is usually lower than interest-only if held full term.
Are private lending rates the same as conventional?+
No. Private and bridge rates reflect term, risk, and speed. Use this estimator with a rate you expect from your lender or strategist — not as a quote.
How do I get actual terms from Pillar?+
Submit the form after estimating, or start the investor review at /check-options with details about your deal.
Keep exploring
Put the payment estimate in context
This tool estimates payments only. Use the guides to evaluate costs, future funding, construction draws, and exit risk.