DSCR Calculator
Cash flow
Seller's Discretionary Earnings (SDE)
Annual cash flow available to cover debt.
$
SBA 7(a) loan
SBA loan amount
$
Term
yrs
Rate
Loans over $350K typically price near Prime + 2.75%.
%
Seller note (optional)
Seller note amount
$
Term
yrs
Rate
%
A seller note on full standby (no payments for the first two years) still counts toward debt service in most SBA underwriting, so it's included here.
Debt Service Coverage Ratio
2.87x
1.0x
1.25x SBA min
2.5x
SBA loan payment
$13,077 / month
$156,924/yr
Seller note payment
$0/yr
Total annual debt service
$156,924/yr
Total monthly debt service
$13,077/mo
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These calculators are directional estimates for planning, not financial, legal, or tax advice. A real valuation or financing decision depends on your specific books, deal structure, and a lender or advisor's review.
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