Debt Service Coverage Ratio (DSCR) Calculator
Calculate your debt service coverage ratio for commercial lending.
What This Number Means
Your coverage ratio is only one part of the decision. Before you approach a lender, consider:
Whether your income covers your debt obligations comfortably
How lenders will view this ratio when underwriting a loan
Whether the ratio meets typical commercial lending minimums
How a change in income or debt load shifts the ratio
Whether this supports taking on additional financing
How to Use This Calculator
1
Enter net operating income: Input your business's net operating income.
2
Add total debt obligations: Enter your annual principal and interest payments.
3
Review the coverage ratio: See your debt service coverage ratio.
4
Compare to lender requirements: Check the result against typical minimum ratios for approval.
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