Financing · Debt capacity
Price the debt.
Protect the cash flow.
Model payment and borrowing cost, then compare total monthly debt service with an editable coverage target.
Loan amount→Payment and debt service→Monthly loan payment
Monthly loan payment
$1,621.79Net Proceeds$49,500.00
Total Interest$7,384.31
Total Payments$58,384.31
DSCR3.24×
Monthly Cushion$5,878.21
Remaining Payment Capacity$5,800.00
Max Supported Principal$182,391.47
Planning estimate only. Verify actual tax rules, prices, cash-flow timing, exchange quotes, fees, and accounting treatment for your business.Calculation method
Amortize the loan, then test cash-flow coverage.
The payment uses fixed-rate monthly amortization on the loan plus financed fees. Deducted fees reduce cash received but not principal. DSCR divides monthly net operating income by existing debt service plus the modeled payment. Maximum principal reverse-solves the payment capacity at the same rate and term. This is a planning estimate—not a lending offer—and excludes taxes, variable rates, balloon payments, covenants, collateral, prepayment charges, and lender underwriting.