Loans & borrowing · Free calculator
Business Loan Covenant Headroom Calculator
Compare entered cash flow and debt service with a user-specified DSCR threshold.
01 / Set your scenario
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02 / Review your estimate
Estimated results
Example values are prefilled. Edit the inputs to model your own scenario.
What this estimate excludes
Actual loan contracts may apply different accrual conventions, fees, posting dates, coverage limits and lender-specific rules. Use this worksheet for scenario planning, not as an official quote or eligibility determination. Display currency is USD.
Read the financial disclaimer.
Compare entered cash flow and debt service with a user-specified DSCR threshold. All inputs are hypothetical and editable.
Method, assumptions and result checks
What this tool covers: Compare entered cash flow and debt service with a user-specified DSCR threshold.
Review the calculator’s worked examples, formulas, timing and exclusions in the sections below. Input units and payment frequency matter. A displayed APR is not necessarily the interest rate used by the model. Tax, investment, daily-interest and specialist loan models have different rules.
Interface and accessibility reviewed November 8, 2026. This is not a certification of current rates, tax tables or every financial statement. Verify important results against actual documents.
Monthly loan formulas and worked examples · Build questions for your lender
Compare entered cash flow and debt service with a user-specified DSCR threshold.
Learn more about this calculation
Review these related guides before comparing estimates with actual lender terms.
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