DSCR Calculator
Calculate your Debt Service Coverage Ratio (DSCR) for SBA 7(a), SBA 504, and commercial loans. Includes business, rental property, and global DSCR modes with lender threshold analysis.
National average rates from the Freddie Mac Primary Mortgage Market Survey. Your actual rate may vary based on credit score, lender, and location.
Business Income & Loan Details
Total business revenue before any expenses
All operating costs excluding owner salary, depreciation, and interest
SBA adds back salary above reasonable market compensation (~$50k)
Non-cash expense added back to NOI
Interest on existing debt (added back to calculate EBITDA)
New Loan Being Evaluated
SBA 7(a) working capital: up to 10 years; real estate: up to 25 years
Total annual P&I on all existing business loans
Results
Lender Threshold Reference
Revenue Sensitivity
| Change | DSCR | Status |
|---|---|---|
| -20% | 4.61x | ✓ Qualifies |
| -10% | 6.08x | ✓ Qualifies |
| Current | 7.54x | ✓ Qualifies |
| +10% | 9.01x | ✓ Qualifies |
| +20% | 10.48x | ✓ Qualifies |
| +30% | 11.95x | ✓ Qualifies |
SBA Underwriting Note
SBA lenders require a minimum DSCR of 1.25x for 7(a) and 504 loans. DSCR is calculated on "adjusted net income" — which adds back depreciation, amortization, interest, and owner compensation above reasonable market salary. Some lenders use a "global DSCR" that includes the owner's personal income and debts.
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Live Market Data
Fed Rate
3.64%
10yr Treasury
4.31%
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