免费偿债覆盖率计算器
计算偿债覆盖率（DSCR），评估企业偿还债务本息的能力。
偿债覆盖率
1.50
Debt Service Coverage Ratio vs Net Operating Income
公式
## 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.
计算示例
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.
常见问题
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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