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The small business loan calculator has proven to be one of the most useful devices when it comes to calculating a number of commercial real estate investments. Mortgage calculators can be especially important tools of the trade in a few different areas; whether figuring out interest payments only or going with the ebb and flow of adjustable rate contracts, keeping an eye on these figures throughout the duration of most any given property transaction can be beneficial in many ways.

Those who’ve used SBA loans in the past have been able to rely on small business loan calculator settings to carry them through each phase of the commercial loans process. No matter the case, having access to a number of online mortgage calculators can make life much easier when dealing with a variety of lending scenarios.

Even when dealing with small loans, the price of doing business can eventually work to the advantage of the borrower. The same principle applies to those who qualify for unsecured loans and the like, when payment schedules may include higher rates. Because of the fact that some small business loan calculator setups have a few additional features to offer, the unexpected can often be handled; with commercial loans especially, unforeseen circumstances may change the game in a hurry.

Forecast Early Payoff With Your Small Business Loan Calculator

Depending upon which lending institution is handling the loan in question, the idea of paying off the loan early can become a reality. Prospective borrowers may want to make sure that an early pay-off clause is included in their SBA loans without having prepayment penalties; for example, those who qualify for unsecured loans can save thousands of dollars by paying off the balance a little faster than anticipated.

A small business loan calculator with this extra added feature can factor in additional amounts to be paid and apply them towards the total balance. In the past, commercial loans without this feature have ended up costing borrowers a bundle.

Not all mortgage calculators come with this feature. In addition to entering the standard information pertaining to small loans, such as the balance, interest, and monthly installments, entering in the extra payment amount will display how much loan recipients can save by paying their commercial loans off earlier than expected. Even though these small business loan calculator functions are becoming more commonplace, it’s vitally important to find out which lenders are offering this additional service.

Use Your Small Business Loan Calculator To Determine Best Financing Options

Those who are ready to refinance their first-lien mortgages may be able to take advantage of their SBA loans by seeing whether or not this early payoff condition applies, sans the penalties. Successful business owners should have a certain amount of clout as it stands, meaning that this type of leverage can be used to switch mortgage companies, if necessary.

Contacting other lenders isn’t a crime, and some may have this particular small business loan calculator function already in place. Having this type of leverage can put business owners in the driver’s seat while searching for the best available deals concerning their commercial loans.

In effect, renegotiating a second mortgage while saving thousands of dollars is more than possible; in fact, paying lower interest rates and monthly payments on a number of refinanced small loans just isn’t enough, especially when mortgage calculators with multiple features will be able to clearly indicate how much additional money can be saved in both the short-term and the long-run. A small business loan calculator with all the bells and whistles may be worth looking into.

The Tragedy

Late one Friday afternoon Susan, RN, BSN, CLNC received a call from an insurance defense attorney asking her to review a plaintiff’s medical records. On Monday morning, with the deposition just 24 hours away, the attorney sent Susan four volumes of medical records documenting ten years of the plaintiff’s medical history.

Here are the facts of the case:

1. The defendant had agreed to be the designated driver when she and a group of friends went out partying.

2. On the way home from the second bar the defendant driver, who had not been drinking, hit a tree.

3. Everyone except the plaintiff had on seat belts and walked away from the accident.

4. The unrestrained plaintiff suffered a fractured vertebra that was repaired surgically.

5. He claimed the injuries sustained in the accident totally disabled him and were the sole cause of his weakness, fatigue and inability to work.

Certified Legal Nurse Consultant’s Analysis Revealed a Very Different Picture

Few attorneys know how to read medical records or understand the terminology and subtleties of healthcare issues to achieve the best results for their clients. A Certified Legal Nurse Consultant bridges that gap in the attorney’s knowledge. While the attorney is the expert on legal issues, the CLNC® consultant is the expert on nursing, the healthcare system and its inner workings.

In this case, the Certified Legal Nurse Consultant’s grasp of the plaintiff’s pre-existing conditions enabled her to discover that his claims of injury were suspect. His extensive medical file revealed:

- He had a long history of HIV and had complained of fatigue on several occasions.

- Prior to the accident he was on AZT, Combivir and Bacofen. These medications have
numerous side effects, including weakness, fatigue, headaches, dizziness and muscle breakdown.

- He had chronic hepatitis, which also contributed to his weakness, fatigue and malaise.

- Because of the hepatitis, his treating doctor had documented that the plaintiff was not to drink. Yet his blood alcohol level was significantly elevated when he arrived at the emergency room following the accident.

Services Offered By Certified Legal Nurse Consultants That Help Attorneys

In addition to reviewing medical records, Certified Legal Nurse Consultants:

- Identify applicable standards of care

- Develop case chronologies and timelines

- Prepare summaries of the extent of injury or illness

- Conduct research on various case issues

- Locate expert witnesses

…and many other services.

In this case, Susan interpreted the records, prepared an in-depth review of the plaintiff’s pre-existing conditions, wrote deposition questions, attended the deposition and helped prepare the attorney for mediation.

The straightforward questions she proposed came directly from her basic nursing assessment skills. Despite their simplicity, the attorney considered them strokes of genius.

During deposition the plaintiff stated that prior to the accident he was fine and had no complaints. Armed with the Certified Legal Nurse Consultant’s report, the defense attorney was well prepared to dispute this testimony. He used her questions to draw out inconsistencies in the plaintiff’s story:

1. Describe the onset, location, duration and severity of your pain.

2. When did these symptoms start?

3. Did you have any of these problems before the accident?

Certified Legal Nurse Consultant Saved Defendant Millions of Dollars on Settlement

Mediation was set for the next day. The plaintiff attorney stated that his client was severely injured during this accident and the defendant was responsible. He demanded $5,000,000 from the defendant above the $500,000 policy limits.
In response, the defense attorney clearly related the plaintiff’s ongoing complaints to his long history of HIV and hepatitis, the side effects of his medications and his noncompliance with his physician’s orders. As Susan had discovered, these facts had been documented in the medical record long before the accident, and his complaints were therefore not solely the result of the accident.

At this point the plaintiff attorney blurted out, “This case has been in my office for two years, and this is the first time I’ve heard this information.” He obviously had not used the services of a Certified Legal Nurse consultant.

The case settled for $10,000, a pittance compared to the initial $5,000,000 demand. “It was extremely satisfying,” Susan commented, “knowing my nursing expertise helped the defendant save millions.”

The Certified Legal Nurse Consultant Is a Specialized Member of the Litigation Team

As in this case, a Certified Legal Nurse consultant’s professional contributions are often critical to achieving a fair and just outcome for all parties. They have consulted on cases as simple as a neck injury caused by an auto accident, as high-profile as the Rodney King case and as groundbreaking as Fen-Phen, Vioxx, silicone implants and toxic mold litigation.

Attorneys rely on Certified Legal Nurse Consultants for a variety of medical-related cases including medical malpractice, personal injury, products liability, toxic tort, workers’ compensation and criminal.

Susan lives in a rural area and works from home with attorneys from several states. Certified Legal Nurse Consultants practice all over the U.S. Wherever there are attorneys, CLNC® services are needed. According to the American Bar Association, 1,116,967 attorneys are in practice today. Approximately 25 percent of these attorneys deal with medical malpractice and personal injury cases and could use a Certified Legal Nurse Consultant as their secret weapon.

Additionally, Certified Legal Nurse Consultants provide healthcare expertise for insurance companies, utilization review firms, government agencies, private corporations and hospitals both as staff members and consultants.

Certified Legal Nurse Consultants regularly report earning fees of $150 per hour. The legal nurse consulting profession allows nurses many options for establishing a satisfying and profitable part-time or full-time consulting career.