Calculadora de Índice de Cobertura do Serviço da Dívida Grátis
Calcule o DSCR para avaliar a capacidade da empresa de pagar suas dívidas com a receita operacional. Essencial para obter financiamentos.
Índice de Cobertura do Serviço da Dívida
1.50
Debt Service Coverage Ratio vs Net Operating Income
Formula
How to Calculate Debt Service Coverage Ratio
Formula
DSCR = Net Operating Income / Annual Debt Service
DSCR measures whether a business earns enough operating income to comfortably cover its debt obligations (both principal and interest). A DSCR of 1.0 means income exactly equals debt payments -- no margin for error. Lenders typically require a minimum of 1.25 to provide a safety cushion for unexpected revenue dips.
Exemplo Resolvido
A company has $300,000 in net operating income and $200,000 in annual debt payments.
- 01DSCR = $300,000 / $200,000 = 1.50
- 02Surplus = $300,000 - $200,000 = $100,000
- 03The business earns $1.50 for every $1 of debt it must pay.
Perguntas Frequentes
What DSCR do lenders typically require?
Most commercial lenders require a DSCR of at least 1.20-1.25. SBA loans may require 1.15. Real estate lenders often require 1.25-1.35. A higher DSCR may qualify you for better loan terms.
What happens if DSCR falls below 1.0?
A DSCR below 1.0 means the business does not generate enough operating income to cover its debt payments. This typically triggers loan covenant violations and may require the business to inject additional cash or restructure debt.
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