{"id":18449,"date":"2022-05-18T16:14:54","date_gmt":"2022-05-18T16:14:54","guid":{"rendered":"https:\/\/swoopfunding.com\/?page_id=18118"},"modified":"2026-03-11T09:35:02","modified_gmt":"2026-03-11T09:35:02","slug":"debt-service-coverage-ratio-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/debt-service-coverage-ratio-dscr-calculator\/","title":{"rendered":"Debt service coverage ratio calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18449\" class=\"elementor elementor-18449\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59fff9c e-flex e-con-boxed e-con e-parent\" data-id=\"59fff9c\" 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-990d420 elementor-widget elementor-widget-template\" data-id=\"990d420\" 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=\"45390\" class=\"elementor elementor-45390\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f97e875 e-flex e-con-boxed e-con e-parent\" data-id=\"4f97e875\" 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-35e90f06 e-con-full e-flex e-con e-child\" data-id=\"35e90f06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7911eb50 elementor-widget elementor-widget-heading\" data-id=\"7911eb50\" 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 calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-253759a elementor-widget elementor-widget-text-editor\" data-id=\"253759a\" 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-75396f4e elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"75396f4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div 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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 calculator\",\n          \n          \"datePublished\": \"2022-05-18T16:14:54+00:00\",\n          \"dateModified\": \"2026-03-11T09:35:02+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/us\/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\/us\/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\/us\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 11, 2026<\/span>. <span>Next review due October 1, 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-2f38b427 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"2f38b427\" 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-65439b7 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"65439b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div 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<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\">$<\/span>\n <\/div>\n <input id=\"monthlyRevenueOrSales\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Monthly revenue or sales:\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <hr>\n\n <div class=\"form-group\">\n <label for=\"monthlyCostOfGoodSold\">Monthly cost of goods sold:<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/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:\/\/us.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c88d15f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c88d15f\" 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-9701f8c\" data-id=\"9701f8c\" 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-ce0dbb2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ce0dbb2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-b76f73d\" data-id=\"b76f73d\" 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-a26427b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a26427b\" 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-inner-column elementor-element elementor-element-5b15e49\" data-id=\"5b15e49\" 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-30be4b9 elementor-widget elementor-widget-image\" data-id=\"30be4b9\" data-element_type=\"widget\" data-e-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\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"66\" height=\"66\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/12\/icon1.svg\" class=\"attachment-full size-full wp-image-15169\" alt=\"\" \/>\t\t\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<div class=\"elementor-element elementor-element-5784687 elementor-widget elementor-widget-heading\" data-id=\"5784687\" 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\">Eligiblity <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8da831 elementor-widget elementor-widget-heading\" data-id=\"e8da831\" 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\">Businesses working on a technological advancement\u200b<\/h2>\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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-40e339f\" data-id=\"40e339f\" 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-f7f4acb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f7f4acb\" 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-inner-column elementor-element elementor-element-77d9698\" data-id=\"77d9698\" 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-b688406 elementor-widget elementor-widget-image\" data-id=\"b688406\" data-element_type=\"widget\" data-e-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\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"66\" height=\"66\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/12\/icon2.svg\" class=\"attachment-full size-full wp-image-15170\" alt=\"\" \/>\t\t\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<div class=\"elementor-element elementor-element-5eeef93 elementor-widget elementor-widget-heading\" data-id=\"5eeef93\" 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\">Amount <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ab3fae elementor-widget elementor-widget-heading\" data-id=\"9ab3fae\" 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\">Recover 64% or more of certain costs in the form of tax credits\u200b<\/h2>\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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-130fa2f\" data-id=\"130fa2f\" 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-eb5b3dd elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"eb5b3dd\" 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-inner-column elementor-element elementor-element-a8bcf0a\" data-id=\"a8bcf0a\" 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-5ae22a3 elementor-widget elementor-widget-image\" data-id=\"5ae22a3\" data-element_type=\"widget\" data-e-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\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"66\" height=\"66\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/12\/icon4.svg\" class=\"attachment-full size-full wp-image-15172\" alt=\"\" \/>\t\t\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<div class=\"elementor-element elementor-element-4316196 elementor-widget elementor-widget-heading\" data-id=\"4316196\" 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\">Purpose<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3053ee5 elementor-widget elementor-widget-heading\" data-id=\"3053ee5\" 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\">Government tax relief for companies conducting R&amp;D\u200b<\/h2>\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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-ac9dbfb\" data-id=\"ac9dbfb\" 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-c96860a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c96860a\" 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-inner-column elementor-element elementor-element-1ef758f\" data-id=\"1ef758f\" 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-290797f elementor-widget elementor-widget-image\" data-id=\"290797f\" data-element_type=\"widget\" data-e-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\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"66\" height=\"66\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/12\/icon5.svg\" class=\"attachment-full size-full wp-image-15173\" alt=\"\" \/>\t\t\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<div class=\"elementor-element elementor-element-b65fe90 elementor-widget elementor-widget-heading\" data-id=\"b65fe90\" 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\">Speed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-859dea3 elementor-widget elementor-widget-heading\" data-id=\"859dea3\" 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\">Receive approval within 60 days in most cases\u200b<\/h2>\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<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-cbe72e0\" data-id=\"cbe72e0\" 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-b1573e2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b1573e2\" 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-inner-column elementor-element elementor-element-0a2b5ae\" data-id=\"0a2b5ae\" 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-51e94b4 elementor-widget elementor-widget-image\" data-id=\"51e94b4\" data-element_type=\"widget\" data-e-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\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"66\" height=\"66\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2021\/12\/icon2.svg\" class=\"attachment-full size-full wp-image-15170\" alt=\"\" \/>\t\t\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<div class=\"elementor-element elementor-element-54d9f7b elementor-widget elementor-widget-heading\" data-id=\"54d9f7b\" 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\">Cost<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73c6514 elementor-widget elementor-widget-heading\" data-id=\"73c6514\" 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\">Application cost is linked to the size of your claim\u200b<\/h2>\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\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-ba0e9f3 e-flex e-con-boxed e-con e-parent\" data-id=\"ba0e9f3\" 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-ba0b49e e-flex e-con-boxed e-con e-child\" data-id=\"ba0b49e\" 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-0ace601 elementor-widget elementor-widget-heading\" data-id=\"0ace601\" 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 a debt service coverage ratio (DSCR)?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95e8d84 elementor-widget elementor-widget-text-editor\" data-id=\"95e8d84\" 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><span style=\"font-weight: 400\">DSCR is a financial metric used by lenders to assess a borrower&#8217;s ability to cover their debt obligations with available income. It measures the relationship between a company&#8217;s operating income and its debt obligations, indicating its ability to service its debt.<\/span><\/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-25f6c9a elementor-widget elementor-widget-heading\" data-id=\"25f6c9a\" 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\">DSCR Formula<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4b177 elementor-widget elementor-widget-text-editor\" data-id=\"4a4b177\" 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><strong>DSCR = Net Operating Income \/ Total Debt Service. <\/strong><\/p><p><span style=\"font-weight: 400\">Net Operating Income represents the income generated by a business before interest and taxes, while Total Debt Service includes all principal and interest payments on outstanding debt.<\/span><\/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-1131b90 elementor-widget elementor-widget-heading\" data-id=\"1131b90\" 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 a good DSCR ratio?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-955d8d9 elementor-widget elementor-widget-text-editor\" data-id=\"955d8d9\" 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><span style=\"font-weight: 400\">The DSCR required to qualify for a loan varies depending on the lender, the type of loan<\/span><span style=\"font-weight: 400\"> and<\/span><span style=\"font-weight: 400\"> the specific circumstances of the borrower. Generally, lenders look for a DSCR of at least 1.25 to 1.5, indicating that the business&#8217;s operating income is sufficient to cover its debt obligations comfortably.<\/span><\/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-46613a9 elementor-widget elementor-widget-heading\" data-id=\"46613a9\" 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 a DSCR loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e380e6 elementor-widget elementor-widget-text-editor\" data-id=\"6e380e6\" 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><span style=\"font-weight: 400\">A DSCR loan is a type of financing where the lender evaluates the borrower&#8217;s ability to service debt using the Debt Service Coverage Ratio (DSCR). Lenders use this ratio to assess the borrower&#8217;s financial health and determine their eligibility for the loan.<\/span><\/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-3d72ab8 elementor-widget elementor-widget-heading\" data-id=\"3d72ab8\" 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 to get a DSCR loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d77314 elementor-widget elementor-widget-text-editor\" data-id=\"7d77314\" 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><span style=\"font-weight: 400\">To qualify for a DSCR loan, borrowers typically need to demonstrate a strong DSCR, sufficient collateral<\/span><span style=\"font-weight: 400\"> and<\/span><span style=\"font-weight: 400\"> a solid financial track record. Lenders may also consider factors such as the borrower&#8217;s credit history, business plan<\/span><span style=\"font-weight: 400\"> and, and<\/span><span style=\"font-weight: 400\"> industry trends when evaluating loan applications.<\/span><\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2750462 e-flex e-con-boxed e-con e-parent\" data-id=\"2750462\" 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-1ed8ff7 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"1ed8ff7\" 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 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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-18449","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\/us\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/18449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/comments?post=18449"}],"version-history":[{"count":37,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/18449\/revisions"}],"predecessor-version":[{"id":45491,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/18449\/revisions\/45491"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/17791"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=18449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}