BizyFi

DSCR Calculator

Debt service coverage ratio (DSCR) measures whether your business's cash flow covers its debt payments. Enter your numbers below for an instant estimate — every calculation runs locally in your browser.

Your numbers

Profit before interest, taxes, depreciation and amortization. Leave blank to estimate from monthly revenue instead.
We'll estimate EBITDA as 10% of annualized revenue — the same proxy BizyFi's own intake flow uses when a business doesn't track EBITDA.
Total yearly principal + interest on debt you already carry. Leave blank if none.
Not sure? Leave this on the default — we'll use standard term-loan assumptions.

Your DSCR

Debt-service coverage ratio
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Estimated monthly payment on the new loan
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Get your full pre-qualification estimate
Takes about 3 minutes. A BizyFi advisor reviews every request.

How DSCR is calculated

DSCR = adjusted EBITDA ÷ (remaining existing annual debt service + the new loan's estimated annual debt service). A DSCR of 1.25 means your cash flow covers your total debt payments with 25% to spare. Most bank and SBA lenders look for at least 1.15–1.25x; below 1.00x means your cash flow doesn't fully cover your debt payments as estimated here.

The calculation itself runs entirely in your browser -- the specific figures you enter are never transmitted to BizyFi, except that the "Get your full pre-qualification estimate" button below carries the amount and product you entered into the application form's URL so you don't have to type them twice. To save re-entering the same numbers across calculators, revenue/EBITDA/debt figures are also saved in your own browser's local storage and reused on BizyFi's other calculators -- this never leaves your browser and you can clear it anytime with the "Clear saved numbers" link that appears when a field has been pre-filled. Separately, we log anonymous usage analytics (that this page was viewed, or that a button was clicked) to see which calculators are useful -- never the numbers you type.

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