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Business capital eligibility estimator based on Debt Service Coverage Ratio*
New Loan Amount
Interest Rate
%
Loan Term
/years
Annual Verifiable Income
Monthly Credit Obligations
What is Debt Service Coverage Ratio (DSCR)?
DSCR compares the amount of money you have available to the debt you owe. It’s used by lenders to determine your ability to pay debt obligations.
How is DSCR calculated?
To calculate DSCR, lenders divide your net income by your total debt service.
What is “Annual Verifiable Income”?
It is the net income your business earns within one year.
How do you define “Monthly Credit Obligations”?
It is the amount paid monthly to service credit obligations.
What are the typical DSCR requirements for funding providers?
Typically, your DSCR will need to be at least 1.20 to qualify for financing.
* Lendza.com has provided a business capital eligibility estimator as a tool to aid you. However, Lendza.com is not a licensed financial professional and does not intend for the business capital eligibility estimator tool to be used to counsel or advise you about a commercial loan or in any way. The estimator tool should not be used to make any financial decisions.

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