DSCR (Debt-Service Coverage) Calculator

Compute the debt-service coverage ratio from a business’s cash flow, your owner draw, and the annual debt service — the single number SBA lenders use to approve or decline a deal.

Annual SDE / cash flow$Owner living draw$What you need to pay yourself; subtracted before coverage.Annual debt service$Total yearly principal + interest across all loans.

Cash flow available for debt$210,000

Annual debt service$135,000

DSCR1.56

STRONG

Below 1.15× most SBA lenders decline; 1.25×+ is comfortable. Estimate only.

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Educational estimate only — not lending, legal, tax, or investment advice. Confirm all figures with qualified professionals before acting on a deal.