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Loan payment and DSCR
Before a bank looks at your business, it calculates one number: debt service coverage. This works out the payment on a proposed loan, folds in what you already owe, and shows the coverage ratio a lender will see — along with the largest loan your current income actually supports.
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How this is calculated
These tools are educational and produce estimates from the figures you enter. They are not tax, legal, investment, or accounting advice, and they do not create a client relationship. Talk to us before acting on a number you see here.
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One for the business, one for each owner and spouse — about two hours each, usually in the same week. A week later you get your plan and a flat monthly fee.
You will know what the work costs before you commit to any of it.