Guardian Business Consulting Services
DSCR Calculator
Debt Service Coverage Ratio — annualizes your income data and measures coverage against existing and proposed debt obligations.
Reporting Period
Enter 12 for a full year, or fewer for a partial period (will be annualized)
mo
Income & Add-Backs
From P&L — bottom line net income
$
Non-cash add-back from P&L
$
Non-cash add-back from P&L
$
Add back if not already excluded from net income
$
Annual Debt Service
Existing debt obligations remaining after closing (annualized)
$
New SBA loan P&I (annualized)
$
Results
Debt Service Coverage Ratio
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Annualized Net Income
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Total Annual Debt Service
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Existing Debt Service Retained
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Proposed Debt Service
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SBA 7(a) lenders generally require a minimum DSCR of 1.25x. Results are estimates only and do not constitute a loan commitment. Contact Guardian Business Consulting Services for a full underwriting analysis.