DSCR Calculator
Calculate Your Debt Service Coverage Ratio
Enter your annual income, expenses, and loan details. Results are estimates only — not a financing commitment.
Business Cash Flow
Annual Income minus Annual Expenses
Debt Assumptions
Based on 25-year amortization
DSCR Result
DSCR Risk Assessment
High Risk
Likely loan decline
Marginal
May need restructuring
Bankable
Meets lender requirements
No threshold is a guarantee of approval. Lender standards vary.
Enter your numbers and click “Calculate DSCR” to see your result.
Results are estimates based on the inputs provided and standard assumptions. They do not represent a loan offer, approval, rate commitment, or lender decision. Actual terms are determined by lenders based on full underwriting review.
Related Programs
Financing That Uses DSCR
These programs are underwritten using debt service coverage ratio as a primary qualification metric.
Frequently Asked Questions
DSCR Calculator — Common Questions
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Bring your estimates. We’ll tell you how lenders will look at them.