Debt Service Coverage Ratio (DSCR) Calculator
Calculate your DSCR to determine if a business can support its debt obligations. SBA lenders typically require a minimum DSCR of 1.25x. Enter your net operating income and annual debt service to get an instant assessment.
Business Income
$
$
Subtracted from SDE to estimate NOI for DSCR
Debt Service
$
Include all debt payments (SBA loan + seller notes + other)
Quick Tips
- •SBA lenders require minimum 1.25x DSCR
- •DSCR = Net Operating Income / Total Debt Service
- •Higher DSCR means more cushion for debt payments
- •Include all debt payments (SBA + seller notes)
- •Use SDE or NOI depending on the lender's method
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Understand your DSCR and financing options with a free consultation. We can help you structure a deal that meets SBA lending requirements.
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