会计
债务覆盖比率 (DSCR) 计算器
评估偿债能力
计算 DSCR 来衡量偿债能力 - 这是贷款人和债权人的关键指标。
$
收入 - 营业费用
$
年度应付本金
$
年度应付利息
$
年度租赁义务
Debt Service Coverage Ratio
净营业收入
$100000
债务支付前的收入
总债务服务
$40000
所有债务支付
DSCR
2.50x
优秀 - 强劲的债务覆盖
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: 优秀 - DSCR >1.25
- 1.0-1.25: 健康 - DSCR 1.0-1.25
- 0.8-1.0: 令人担忧 - DSCR 0.8-1.0
- <0.8: 严重 - DSCR <0.8
债务覆盖比率
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).