Debt Service Coverage Ratio (DSCR) Worksheet

Debt Service Coverage Ratio (DSCR) Worksheet

Use this worksheet to calculate your debt service coverage ratio. Enter your business expenses, existing debt payments, and revenue below. If you plan on

borrowing additional funds, you can enter that balance below, too. DSCR is used by lenders to determine your ability to make loan payments. Under 1 means you can not afford the loan payment. Over 1 means you can afford the loan payment. Most lenders want to

see a DSCR of 1.2 or higher.

Annual Gross Income Expenses - Entered as Annual Costs Rent Utilities Payroll Taxes Inventory Supplies Credit Card Payments Short Term Loan Payments Merchant Cash Advance Payments Miscellaneous Business Expenses Annual Operating Expenses

Net Operating Income Total Capital in New Loan (including additional funding) Typical Interest Rate Origination Fees of New Loan (Assuming 5%)

Total Annual Loan Payments of New Loan (Debt Service)

5 Year Term Loan

$2,000,000

$ 20,000.00 $ 5,000.00 $ 350,000.00

$ 500,000.00 $ 35,000.00

$ 80,000.00 $ 150,000.00 $ 50,000.00 $ 1,190,000.00 $ 810,000.00 $ 500,000.00

13% $ 25,000.00 $ 136,518.44

10 Year SBA loan

$ 1,500,000.00

$ 20,000.00 $ 5,000.00 $ 350,000.00

$ 500,000.00 $ 35,000.00

$ 80,000.00 $ 150,000.00 $ 50,000.00 $ 1,190,000.00 $ 310,000.00 $ 500,000.00

6% $ 25,000.00 $ 66,612.30

Estimated Monthly Payments Debt Service Coverage Ratio

$ 11,376.54 5.93

$ 5,551.03 4.65

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