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DSCR Calculator

Debt Service Coverage Ratio for Small Business Loans

Net Operating Income (NOI)

Annual Gross Revenue

Cost of Goods Sold (COGS)

Direct costs of producing goods/services

Operating Expenses

Rent, utilities, salaries, marketing, etc.

Depreciation & Amortization (Optional)

Non-cash expenses to add back

Income Taxes (Optional)

Annual business income tax payments

Annual Debt Service

Loan Amount

Interest Rate

Loan Term (years)

Additional Annual Debt Payments (Optional)

Other loan payments, lines of credit, etc.

Your DSCR is

0.00

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