Estimate DSCR + generate a Fundability Score (0–100) with risk flags and next steps. Educational estimates only.

Purchase Price ($) Annual SDE / EBITDA ($)

Owner Salary Replace ($/yr)

Capex Reserve ($/yr)

Working Capital Buffer ($/yr)

Other Debt Payments ($/yr)

DSCR here uses: (SDE − salary − capex − WC − other debt) ÷ (new annual debt service).

Loan Amount ($)

Interest Rate (APR %)

Loan Term (years)

Top Customer Concentration (%)

Owner Dependence Books Verifiability Recurring Revenue (%)

Ready

Fundability Score

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DSCR (est.)

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Annual Debt Service

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Disclaimer: Educational estimator only. Terms, underwriting, and cash flow definitions vary by lender and deal type.