Estimate SBA 7(a) monthly payments or calculate your business DSCR in seconds — no credit pull, no signup.
Debt Service Coverage Ratio = Net Operating Income ÷ Total Annual Debt Obligations. SBA lenders typically require a minimum of 1.25x — but read the disclaimer below before drawing hard conclusions.
Important: this calculator is a starting point, not a lender decision.
A few things this calculator can't account for:
Lender thresholds vary. The 1.25x minimum is an SBA guideline — some lenders will go to 1.15x or even 1.10x depending on industry, collateral, and borrower profile. Others require 1.35x or higher.
Addbacks can change your NOI. Most lenders recalculate NOI using your tax returns — and they add back non-cash expenses like depreciation and amortization, one-time losses, and owner compensation above a market rate.
Refinanceable debt may be excluded. If you're carrying an MCA or high-rate term loan that will be paid off as part of the new loan, some lenders will omit those from your DSCR calculation entirely.
Bottom line: a DSCR below 1.25x here doesn't automatically mean you're declined. Read the full DSCR guide →
Estimate monthly payments for SBA 7(a) loans. Rates vary — this uses current SBA 7(a) variable rate benchmarks. Actual terms depend on lender underwriting.
SBA 7(a) rates are variable, benchmarked to the Prime Rate plus a lender spread. As of June 2026, Prime is 6.75% (WSJ Prime Rate, down from 7.50% a year ago following Fed rate cuts). Typical SBA 7(a) spreads add 2.25 to 2.75% on top of Prime, putting most current rates in the 9.00 to 9.50% range for standard loans. Read the full SBA loan guide →