{"id":27353,"date":"2022-05-18T16:14:54","date_gmt":"2022-05-18T16:14:54","guid":{"rendered":"https:\/\/swoopfunding.com\/au\/?page_id=27353"},"modified":"2024-06-25T15:25:44","modified_gmt":"2024-06-25T15:25:44","slug":"debt-service-coverage-ratio-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/au\/business-loan-calculator\/debt-service-coverage-ratio-dscr-calculator\/","title":{"rendered":"Debt service coverage ratio (DSCR) calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"27353\" class=\"elementor elementor-27353\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d92d0d2 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d92d0d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-414f453\" data-id=\"414f453\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8be4e79 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8be4e79\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3e79918\" data-id=\"3e79918\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7980883 elementor-widget elementor-widget-heading\" data-id=\"7980883\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Debt service coverage ratio (DSCR) calculator<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b62df elementor-widget elementor-widget-text-editor\" data-id=\"38b62df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Our simple debt service coverage ratio calculator (DSCR) will help you understand your businesses ability to pay back its short-term debt obligations in cash.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa319c6 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"fa319c6\" data-element_type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Debt service coverage ratio (DSCR) calculator\",\n          \n          \"datePublished\": \"2022-05-18T16:14:54+00:00\",\n          \"dateModified\": \"2024-06-25T15:25:44+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"AI\",\n              \"url\": \"https:\/\/swoopfunding.com\/au\/author\/artificial-intelligence\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/au\/wp-content\/themes\/swoopMW50\/assets\/icons\/swoop-icon-min.svg\" width=\"32\" height=\"32\">\n <\/div>\n \n <div class=\"info-right\" style=\"justify-content: left;\">\n <p><span>Page written by AI. Reviewed internally on June 25, 2024.<\/span><\/p>\n <\/div>\n\n <\/div>\n<\/div>\n\n\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b09d57d elementor-widget elementor-widget-ucaddon_aivoov_player\" data-id=\"b09d57d\" data-element_type=\"widget\" data-widget_type=\"ucaddon_aivoov_player.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t<div class=\"aivoov-player-block\">\n\t<div class=\"read_this\">Read this article to me<\/div>\n\t\t\t<style>\n\t\t\t.plyr__controls .plyr__controls__item:first-child{\n\t\t\t\tbackground:#2e9c8e !important;\n\t\t\t}\n\t\t\t:root{\n\t\t\t--plyr-color-main:#2e9c8e;\n\t\t\t--plyr-audio-controls-background:#f0f2f4;\n\t\t\t--plyr-audio-control-color:#546a7b;\n\t\t\t}\n\t\t\t[data-plyr=\"mute\"]{color:#2e9c8e !important}\n\t\t\t.aivoov-text-color{color:#546a7b}\n\t\t<\/style> \n\t\t<div class=\"audio_player\">\n\t\t<audio class=\"js-player\" controls=\"\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/539dce70-16d3-4447-ad08-06d756775cae.mp3\" type=\"audio\/mp3\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/539dce70-16d3-4447-ad08-06d756775cae.mp3\" type=\"audio\/ogg\" \/>\n\t\t<\/audio> \n\t\t\t\t <div class=\"powerd_by aivoov-text-color\"><p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"http:\/\/aivoov.com\/?um_source=plugin_powered_by\" style=\"color: inherit;\">Powered by AiVOOV<\/a><\/p><\/div>\n\t\t \n\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-926cf5e elementor-hidden-mobile\" data-id=\"926cf5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-139c1fc elementor-widget elementor-widget-image\" data-id=\"139c1fc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/05\/image-calculator.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-aa68c6c e-flex e-con-boxed e-con e-parent\" data-id=\"aa68c6c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c4a95c elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"2c4a95c\" data-element_type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a077ad elementor-widget elementor-widget-ucaddon_coverage_ratio_calculator\" data-id=\"3a077ad\" data-element_type=\"widget\" data-widget_type=\"ucaddon_coverage_ratio_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n\n\n <div class=\"coverage-ratio-calculator form-calculator\" >\n <div class=\"left_column\">\n <p class=\"title\">1. Monthly net operating income<\/p>\n\n <p class=\"subtitle-calculator\">Your net operating income is the income left after all your operating expenses are paid.<\/p>\n\n <div class=\"form-group\">\n <label for=\"monthlyRevenueOrSales\">Monthly revenue or sales:<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyRevenueOrSales\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly revenue or sales:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <hr>\n\n <div class=\"form-group\">\n <label for=\"monthlyCostOfGoodSold\">Monthly cost of goods sold:<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyCostOfGoodSold\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly cost of goods sold:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyEmployeeSalaryExpense\">Monthly employee salary expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyEmployeeSalaryExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly employee salary expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyRentExpense\">Monthly rent expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyRentExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly rent expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyUtilityExpense\">Monthly utility expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyUtilityExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly utility expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyInsuranceExpense\">Monthly Insurance expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"monthlyInsuranceExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly Insurance expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"otherExpenses\">Other expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"otherExpenses\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Other expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"show-number\">\n <p class=\"title-result\">Your monthly operating income is:<\/p>\n <p class=\"number-result\">$<span id=\"yourMonthlyOperatingIncomeIs\">-<\/span><\/p>\n <\/div>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">2. Monthly debt service cost<\/p>\n <p class=\"subtitle-calculator\">Your debt service cost is the dollar sum of all of your loan payments over one month.<\/p>\n\n <div class=\"form-group\">\n <label for=\"payment\">Do you make payments daily or monthly?<\/label>\n <select name=\"payment\" id=\"payment\" class=\"form-control custom-select-arrow\" required>\n <option value=\"\">Select<\/option>\n <option value=\"Daily\">Daily<\/option>\n <option value=\"Monthly\">Monthly<\/option>\n <\/select>\n <\/div>\n\n <div class=\"form-group payment-daily d-none\">\n <label for=\"requiredDailyPayment\">Enter your required daily payment:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"requiredDailyPayment\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Enter your required daily payment:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group payment-monthly d-none\">\n <label for=\"requiredMonthlyPayment\">Enter your required monthly payment:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input id=\"requiredMonthlyPayment\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Enter your required monthly payment:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"show-number\">\n <p class=\"title-result\">Your monthly total debt service cost is<\/p>\n <p class=\"number-result\">$<span id=\"yourMonthlyTotalDebtServiceCostIs\">-<\/span><\/p>\n <\/div>\n\n <hr>\n\n <h4>Debt service ratio calculation<\/h4>\n <p class=\"subtitle-calculator\">DSCR = Monthly net operating income \u00f7 Monthly debt service cost<\/p>\n\n <div class=\"list-result\">\n <div class=\"result\">\n <p>Monthly net operating income<\/p>\n <p>$<span id=\"monthlyNetOperatingIncomeIs\">-<\/span><\/p>\n <\/div>\n <div class=\"result\">\n <p>Monthly debt service cost<\/p>\n <p>$<span id=\"monthlyDebtServiceCostIs\">-<\/span><\/p>\n <\/div>\n <\/div>\n\n <div class=\"result-debt\">\n <p class=\"subtitle-result\">Debt service coverage ratio:<\/p>\n <p><span id=\"displayDebtServiceCoverageRatio\">-<\/span><\/p>\n <\/div>\n\n <a href=\"https:\/\/app.swoopfunding.com.au\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Get a quote<\/a>\n <\/div>\n <\/div>\n\n\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a3f0f question elementor-widget elementor-widget-heading\" data-id=\"a2a3f0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is debt service coverage ratio (DSCR)?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a86bc85 answer elementor-widget elementor-widget-text-editor\" data-id=\"a86bc85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Debt service coverage ratio (DSCR) is one of the biggest financial ratios that loan providers use to analyse your loan application. The ratio is highly useful because it offers a good indication on whether you\u2019ll be able to pay back the loan facility with interest.<\/p><p>A DSCR over 1 is good and the higher it is the better. So, if you are below 1, you should talk to your advisors before proceeding to apply for a loan facility.<\/p><p>Funding providers don\u2019t want to lose their investment or deal with the hassle of defaults. So, they look for reassurances that your business has generated income and will continue to generate enough income to pay the loan facility back.<\/p><p>Having just enough cash to cover your loan payments generally isn\u2019t enough. They are looking to see if you have sufficient cash \u201creserve\u201d to pay off the loan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb7b318 question elementor-widget elementor-widget-heading\" data-id=\"cb7b318\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I calculate my debt service coverage ratio?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e033de6 answer elementor-widget elementor-widget-text-editor\" data-id=\"e033de6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Funding providers will have slightly different methods for working out DSCR. So, it is advisable to ask the funding provider at the start of the loan application process how they calculate DSCR. However, the most common formula for calculating debt service coverage ratio is as follows:<\/p><p><strong>DSCR = business\u2019s annual et operating income \/ business\u2019s annual debt payments<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3a2fc2 question elementor-widget elementor-widget-heading\" data-id=\"c3a2fc2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common mistakes when calculating DSCR<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2dea03 answer elementor-widget elementor-widget-text-editor\" data-id=\"f2dea03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When trying to figure out your own DSCR, the most common mistake is <b>not accounting for existing business debt<\/b>.<\/p><p>The DSCR formula has to include existing debt as well as the loan you are applying for &#8211; funding providers need to see <em>all<\/em> your business debt.<\/p><p>These are the types of debt that you should include in your calculation:<\/p><ul><li>Bank loans<\/li><li><a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/short-term-loans\/\">Short-term loans<\/a><\/li><li>Leases<\/li><li>Invoice financing<\/li><li>Business lines of credit and business credit cards<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b1d89 question elementor-widget elementor-widget-heading\" data-id=\"c6b1d89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a good DSCR score?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df218cf answer elementor-widget elementor-widget-text-editor\" data-id=\"df218cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>While every funding provider is different, most will look for a DSCR ratio of <strong>1.15 or more<\/strong>. The state of the economy can be a driver in driving the ratio up and down.<\/p><p>DSCR &lt;1: you have negative cash flow and don\u2019t have enough income to service all your debt.<\/p><p>DSCR=1: you have exactly enough cash flow to cover your debt but don\u2019t have any cash reserves.<\/p><p>DSCR&gt;1: you have positive cash flow and have more income to pay off your debt.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7857c61 question elementor-widget elementor-widget-heading\" data-id=\"7857c61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculate before applying<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-396aa05 answer elementor-widget elementor-widget-text-editor\" data-id=\"396aa05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As you can see your DSCR is a very important factor in deciding whether you will get approved for a loan facility. We highly recommend checking your DSCR before applying for a loan facility, so not to impact your business credit score off the back of a low DSCR.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b977615 e-flex e-con-boxed e-con e-parent\" data-id=\"b977615\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb61cf elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"3eb61cf\" data-element_type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">All calculators<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/au\/business-loan-calculator\/adr-calculator\/\">ADR calculator <\/a>\n 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class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16c054b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"16c054b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/app.swoopfunding.com.au\/stage\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debt service coverage ratio (DSCR) calculator Our simple debt service coverage ratio calculator (DSCR) will help you understand your businesses ability to pay back its short-term debt obligations in cash. Page written by AI. Reviewed internally on June 25, 2024. &times; What is debt service coverage ratio (DSCR)? Debt service coverage ratio (DSCR) is one [&hellip;]<\/p>\n","protected":false},"author":88,"featured_media":0,"parent":27346,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"rank_math_lock_modified_date":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-27353","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Debt service coverage ratio (DSCR) calculator Our simple debt service coverage ratio calculator (DSCR) will help you understand your businesses ability to pay back its short-term debt obligations in cash. Page written by AI. Reviewed internally on June 25, 2024. 1. Monthly net operating income Your net operating income is the income left after all your operating expenses are paid. Monthly revenue or sales: $ .00 Monthly cost of goods sold: $ .00 Monthly employee salary expense: $ .00 Monthly rent expense: $ .00 Monthly utility expense: $ .00 Monthly Insurance expense: $ .00 Other expense: $ .00 Your monthly&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"AI","url":"https:\/\/swoopfunding.com\/au\/author\/artificial-intelligence\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/pages\/27353"}],"collection":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/users\/88"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/comments?post=27353"}],"version-history":[{"count":22,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/pages\/27353\/revisions"}],"predecessor-version":[{"id":37134,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/pages\/27353\/revisions\/37134"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/pages\/27346"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/media?parent=27353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}