{"id":18118,"date":"2022-05-18T16:14:54","date_gmt":"2022-05-18T16:14:54","guid":{"rendered":"https:\/\/swoopfunding.com\/na\/?page_id=18118"},"modified":"2026-03-12T09:59:33","modified_gmt":"2026-03-12T09:59:33","slug":"debt-service-coverage-ratio-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/na\/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=\"18118\" class=\"elementor elementor-18118\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca614ce e-flex e-con-boxed e-con e-parent\" data-id=\"ca614ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d71544d elementor-widget elementor-widget-template\" data-id=\"d71544d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"45203\" class=\"elementor elementor-45203\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f8bd672 e-flex e-con-boxed e-con e-parent\" data-id=\"2f8bd672\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1e8640ab e-con-full e-flex e-con e-child\" data-id=\"1e8640ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-554a7090 elementor-widget elementor-widget-heading\" data-id=\"554a7090\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Debt service coverage ratio (DSCR) calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-672a599c elementor-widget elementor-widget-text-editor\" data-id=\"672a599c\" data-element_type=\"widget\" data-e-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\t\tOur simple debt service coverage ratio calculator (DSCR) will help you understand your businesses ability to pay back its short-term debt obligations in cash.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ed6007 elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"48ed6007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-574154a elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"574154a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\": \"2026-03-12T09:59:33+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\" aria-label=\"Ian Hawkins\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"Ian Hawkins\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 12, 2026<\/span>. <span>Next review due 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ian Hawkins<\/div>\n <div class=\"role-user\">Head of Content<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42336420 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"42336420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4960bd2e e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"4960bd2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div 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class=\"elementor-widget-container\">\n\t\t\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\/fd6a6410-08a9-470e-a29f-1c111ffd4d4a.mp3\" type=\"audio\/mp3\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/fd6a6410-08a9-470e-a29f-1c111ffd4d4a.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\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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-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-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-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-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\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-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-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-3f52e30 elementor-widget elementor-widget-ucaddon_coverage_ratio_calculator\" data-id=\"3f52e30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_coverage_ratio_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\">N$<\/span>\n <\/div>\n <input id=\"monthlyRevenueOrSales\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly revenue or sales:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <hr>\n\n <div class=\"form-group\">\n <label for=\"monthlyCostOfGoodSold\">Monthly cost of goods sold:<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">N$<\/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\">N$<\/span>\n <\/div>\n <input id=\"monthlyEmployeeSalaryExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly employee salary expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyRentExpense\">Monthly rent expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">N$<\/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\">N$<\/span>\n <\/div>\n <input id=\"monthlyUtilityExpense\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly utility expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"monthlyInsuranceExpense\">Monthly Insurance expense:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">N$<\/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\">N$<\/span>\n <\/div>\n <input id=\"otherExpenses\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Other expense:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"show-number\">\n <p class=\"title-result\">Your monthly operating income is:<\/p>\n <p class=\"number-result\">N$<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\">N$<\/span>\n <\/div>\n <input id=\"requiredDailyPayment\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Enter your required daily payment:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group payment-monthly d-none\">\n <label for=\"requiredMonthlyPayment\">Enter your required monthly payment:<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">N$<\/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\">N$<span id=\"yourMonthlyTotalDebtServiceCostIs\">-<\/span><\/p>\n <\/div>\n\n <hr>\n\n <h4>Debt service ratio calculation<\/h4>\n <p class=\"subtitle-calculator\">DSCR = Monthly net operating income \u00f7 Monthly debt service cost<\/p>\n\n <div class=\"list-result\">\n <div class=\"result\">\n <p>Monthly net operating income<\/p>\n <p>N$<span id=\"monthlyNetOperatingIncomeIs\">-<\/span><\/p>\n <\/div>\n <div class=\"result\">\n <p>Monthly debt service cost<\/p>\n <p>N$<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:\/\/namibia.swoopfunding.com\/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\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-59e2229 e-flex e-con-boxed e-con e-parent\" data-id=\"59e2229\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5340311 question elementor-widget elementor-widget-heading\" data-id=\"5340311\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is debt service coverage ratio (DSCR)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aea8fb4 answer elementor-widget elementor-widget-text-editor\" data-id=\"aea8fb4\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-470f6dc question elementor-widget elementor-widget-heading\" data-id=\"470f6dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I calculate my debt service coverage ratio?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36265ef answer elementor-widget elementor-widget-text-editor\" data-id=\"36265ef\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00f3458 question elementor-widget elementor-widget-heading\" data-id=\"00f3458\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common mistakes when calculating DSCR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce607a7 answer elementor-widget elementor-widget-text-editor\" data-id=\"ce607a7\" data-element_type=\"widget\" data-e-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\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\/na\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d3a62e question elementor-widget elementor-widget-heading\" data-id=\"2d3a62e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a good DSCR score?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3711791 answer elementor-widget elementor-widget-text-editor\" data-id=\"3711791\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7927bf2 question elementor-widget elementor-widget-heading\" data-id=\"7927bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calculate before applying<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d663c2e answer elementor-widget elementor-widget-text-editor\" data-id=\"d663c2e\" data-element_type=\"widget\" data-e-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\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\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-be3dd3e e-flex e-con-boxed e-con e-parent\" data-id=\"be3dd3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28096a1 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"28096a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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 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data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51f3141 elementor-widget elementor-widget-ucaddon_floating_cta\" data-id=\"51f3141\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_floating_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<style type=\"text\/css\">\/* widget:Floating CTA *\/\n\n.container-floating-cta a{\n font-weight:700;\n border-style:solid;\n border-width:1px 1px 1px 1px;\n color:#FFFFFF;\n border-radius:50px 50px 50px 50px;\n width:100%;\n text-align:center;\n display:block;\n padding:6px 24px;\n transition:all 0.3s;\n}\n\n.container-floating-cta a:hover{\n background:#fff;\n color:#003E52;\n text-decoration:none;\n}\n\n.trustpilot-widget-floating-cta{\n margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"#calculator\" class=\"btn-floating-cta\">Calculate now<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\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","protected":false},"excerpt":{"rendered":"<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>\n","protected":false},"author":43,"featured_media":0,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-18118","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<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>\n","category_list_v2":"","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/na\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/18118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/comments?post=18118"}],"version-history":[{"count":3,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/18118\/revisions"}],"predecessor-version":[{"id":45280,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/18118\/revisions\/45280"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/pages\/17791"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/na\/wp-json\/wp\/v2\/media?parent=18118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}