DSCR（債務返済カバレッジ比率）計算機
Calculate DSCR to measure ability to service debt - a key metric for lenders and creditors.
DSCR（債務返済カバレッジ比率）計算機
Assess debt repayment capacity
Calculate DSCR to measure ability to service debt - a key metric for lenders and creditors.
Revenue - operating expenses
Annual principal due
Annual interest due
Annual lease obligations
Debt Service Coverage Ratio
Net Operating Income
$100000
Income before debt payments
Total Debt Service
$40000
All debt payments
DSCR
2.50x
Excellent - strong debt coverage
A DSCR of 1.0 means net operating income exactly equals debt obligations. Coverage above 1.2 is generally preferred by commercial lenders.:
- >1.25: Excellent - DSCR >1.25
- 1.0-1.25: Healthy - DSCR 1.0-1.25
- 0.8-1.0: Concerning - DSCR 0.8-1.0
- <0.8: Critical - DSCR <0.8
Debt Service Coverage Ratio
The Debt Service Coverage Ratio (DSCR) is a key metric used by lenders and investors to evaluate whether a business or property generates enough income to cover its debt obligations. A DSCR above 1.25 is typically required for most commercial loans.
Formula:
DSCR = Net Operating Income / Total Debt Service
💡 Lender Benchmarks:
Most commercial lenders require a minimum DSCR of 1.2x.
Build Credible Financial Metrics
Track DSCR, runway, and financials with Olgax accounting tools (coming soon).