Tool

Debt Service Coverage Ratio Calculator

Calculate DSCR from business cash flow, existing debt payments, and a proposed new loan before taking on more debt.

Use DSCR before adding debt

DSCR compares cash flow available for debt service against annual debt payments. It is useful when comparing a business loan, line of credit, or merchant cash advance.

This calculator is an estimate for planning and comparison only. Lenders may calculate cash flow, add-backs, debt service, and target coverage differently. It is not financial, legal, accounting, or tax advice.