DSCR Calculator

Calculate your Debt Service Coverage Ratio and see how changes affect your loan eligibility

+Income

$

Your total annual business revenue before expenses

$0$2,000,000
$

Additional income (rental, investments, etc.)

$0$500,000

−Expenses

$

Annual costs to run your business (rent, payroll, supplies, etc.)

$0$1,500,000

$Debt Service

$

Total annual loan payments (existing + proposed new loan)

$0$500,000

Calculation Breakdown

Gross Revenue$500,000
+ Other Income$25,000
− Operating Expenses−$350,000
Net Operating Income (NOI)$175,000
÷ Annual Debt Service$100,000
DSCR1.75

Your DSCR

1.75
Excellent
0.001.001.251.502.00+

What is DSCR?

Debt Service Coverage Ratio measures your ability to pay debt obligations from your operating income.

DSCR = NOI ÷ Debt Service
  • 1.50+ Excellent
  • 1.25-1.49 Good (SBA minimum)
  • 1.00-1.24 Marginal
  • <1.00 Needs improvement

How to Improve

🎯

Excellent Position

Your strong DSCR puts you in a great position for favorable loan terms.

💰

Consider Your Options

With this DSCR, you may qualify for larger loan amounts or better interest rates.

Want to see how different loan options affect your DSCR?

Our Loan Calculator can help you model different scenarios and find the right loan structure.

Try our Loan Calculator

This calculator is for educational purposes only and should not be considered financial advice.

Consult with a financial advisor or SBA lender for specific loan requirements.