Financial fundamentals
Debt service coverage ratio: a practical DSCR guide
Understand the cash-flow coverage calculation, its limits, and how to use it without treating it as an approval score.
Business borrowing capacity calculator
What could your cash flow support?
Explore a hypothetical loan amount using your revenue, cash-flow margin, existing debts, and coverage target.
Your planning assumption, not a lender standard.
Choose the cushion to model.
Nominal rate you enter; not APR or a live quote.
Fully amortizing monthly payments.
Model: annual revenue × your cash-flow margin ÷ 12 ÷ coverage target, less existing monthly debt payments. The payment budget is converted to a loan amount at the rate and term entered. This simplified model does not predict approval.
Hypothetical borrowing capacity
$376,522.95
Monthly operating cash assumed$12,500.00
New payment budget$8,000.00
Example calculation only. Actual financing depends on lender terms and review.
How to use this calculator
Enter your assumptions and review the result alongside a cash-flow forecast. Compare the estimated payment with the dates your customers actually pay you. Change one input at a time to see how the term or rate affects the outcome.
Calculations run in your browser. Your financial inputs are not sent to a lender or stored by this site. A downloadable CSV gives you the full monthly repayment schedule when the modeled loan amount is positive.
Is this a qualification estimate?
No. It is a simplified cash-flow scenario using your assumptions. It does not assess credit, collateral, lender criteria, or program eligibility.
Why is the result zero?
If existing monthly debt payments consume the modeled payment budget, this scenario leaves no capacity for a new payment.
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