Free tool

Debt Service Coverage Ratio Calculator — Can Your Cash Flow Carry the Payment?

Free debt service coverage ratio calculator for business loans and cash advances. Enter the offer and your cash flow to see your DSCR, the true APR with fees, and the term or amount that would actually fit.

DSCR is the one number the lender runs and the owner never sees. It is cash left after operating expenses divided by every debt payment including the new one. Below 1.0 the payment is bigger than the profit. At 1.25 you are bankable. At 1.5 you can survive a bad quarter. Ask any funder what your file scored — if the answer is vague, that is the answer.

Then read the twelve clauses to check before you sign and, if the offer is an advance, what the factor rate really costs.

Business Loan Calculator Cash Advance / Factor Rate Calculator SBA Loan Calculator How Much Can I Borrow?

Can your cash flow carry this payment?

Average monthly revenue (gross deposits)

Monthly cash left after operating expenses, before any loan payments

Your net operating income. If you are unsure, most service businesses run 8–15% of revenue.

Existing monthly debt payments (all loans, advances, card minimums)

The offer on the table

Amount funded

Fees taken out of funding

Origination, packaging, broker, ACH setup.

How is it priced?

Factor rate

Term

Months.

Payment frequency

No cost · No obligation

Now see what you actually qualify for

The calculator gives you the math. One application gives you real offers — free, no credit impact to check.

Get Pre-Qualified See funding options Text FUNDING to (540) 556-4123

Checking your options does not affect your business credit. A soft review only.