DSCR & Borrowing Capacity Calculator
Estimate your debt-service coverage ratio (DSCR), leverage multiple, and asset-based borrowing capacity in real time. Every number is calculated locally in your browser as you type -- the figures you enter are never transmitted anywhere. If you continue to a full application, the amount and product you're considering carry over automatically so you don't have to re-enter them.
Your business's numbers
The loan you're considering
Collateral (for borrowing-base capacity)
Your estimate
How this is calculated
DSCR = adjusted EBITDA ÷ (remaining existing annual debt service + the new loan's estimated annual debt service). A DSCR of 1.25 means your cash flow covers your total debt payments with 25% to spare. Most bank and SBA lenders look for at least 1.15–1.25x.
Leverage = (existing debt balance + amount requested) ÷ adjusted EBITDA, expressed as a multiple of EBITDA. Lower is generally viewed as lower risk.
Borrowing base = 85% of your accounts receivable balance plus 50% of inventory at cost — a common advance-rate formula asset-based lenders use, separate from a cash-flow-based (DSCR) approach. Equipment value is shown at an estimated orderly-liquidation value (80% of market value) for reference; it is not included in the borrowing-base total above since equipment-secured advances are typically structured separately.
These are the same formulas BizyFi's own intake flow uses internally. The calculation itself runs entirely in your browser -- the specific figures you enter are never transmitted to BizyFi, except that the "Get your full pre-qualification estimate" button below carries the amount and product you entered into the application form's URL so you don't have to type them twice. To save re-entering the same numbers across calculators, revenue/EBITDA/debt/AR/inventory/equipment figures are also saved in your own browser's local storage and reused on BizyFi's other calculators -- this never leaves your browser and you can clear it anytime with the "Clear saved numbers" link that appears when a field has been pre-filled. Separately, we log anonymous usage analytics (that this page was viewed, or that a button was clicked) to see which calculators are useful -- never the numbers you type.
Looking for just one number?
- DSCR calculator — just the debt-service coverage ratio
- Borrowing base calculator — just the AR/inventory-based capacity
- SBA loan payment calculator — just the monthly payment and amortization
- Equipment lease vs. loan calculator — compare total cost of financing vs. leasing
- Refinance breakeven calculator — when a lower payment offsets a prepayment penalty
- Factoring vs. line of credit calculator — compare the cost of each for an unpaid invoice