Global DSCR and loan capacity calculator.

SBA 7(a) and 504 coverage the way a preferred lender computes it. Pre-filled with the sample $2.4M acquisition; replace with your deal.

Proposed loan

Loan amount

Rate (%)

Term (years)

Target DSCR

Business and global inputs

Net income (FY)Form 1120-S L21 / 1065 L22 / Sch C L31Interest expenseAdded back; refinanced debt removedDepreciationForm 4562AmortizationForm 4562 Part VIOwner compensationForm 1125-E or W-2Replacement salaryMarket cost of a managerOther substantiated add-backsNon-recurring, documentedExisting business debt service (annual)Debt remaining after closingGuarantor outside income (annual)W-2 or Schedule E netGuarantor personal debt service (annual)Mortgage, auto, student, supportLiving expenses (annual)Lender method

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