Estimate DSCR before applying
Run the calculator with a conservative rate and a realistic repayment term. Then save your assumptions before you speak with a lender.
Calculator guide
Business DSCR calculator
Debt-service coverage ratio compares business cash flow with debt payments. It is one way to think about whether a new loan payment may be manageable.
Free finance tool
SBA loan payment and DSCR calculator
Estimate monthly payment, total interest, cash-flow coverage, and quote-readiness before talking with a lender.
Compare existing debt plus new payment
Run the calculator with a conservative rate and a realistic repayment term. Then save your assumptions before you speak with a lender.
Understand cash-flow cushion in plain English
Run the calculator with a conservative rate and a realistic repayment term. Then save your assumptions before you speak with a lender.
Next step
Compare the estimate with real lender quotes.
Use this estimate as a planning note when comparing lenders, repayment terms, fees, and required documents.