Debt service coverage calculator

Your cash flow, last full year

Your debt

Coverage with the new loan1.31:1
Coverage today2.14:1
Largest new loan at this coverage$202,379
Operating cash flow (EBITDA)$90,000
Yearly payment on the new loan$26,876
Total yearly debt payments$68,876
Cash flow cushion at this coverage$10,793

Coverage of 1.31:1 clears 1.15:1 with $10,793 of yearly cash flow to spare.

Estimates only. This is not a credit decision. Your lender decides how to count cash flow and what coverage it needs. The rate starts at SBA's maximum for the size until you change it. The math runs in your browser, and we do not save what you enter.

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Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.

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