DSCR Calculator with Add-Backs
Your LLC might be very profitable, but if enterprise costs are weighing down its P&L, the bank sees a weak Debt Service Coverage Ratio. Enter your numbers, layer in defensible add-backs, and see what the story really looks like — before you walk into underwriting.
The LLC you're financing. Used only to personalize the analysis.
Revenue minus operating expenses, as shown on this entity's P&L today — before any reallocation.
Total principal + interest payments for the 12 months after funding.
Add-Backs
Legitimate adjustments that make the P&L reflect operational reality. Leave at $0 what doesn't apply.
Portion of owner compensation that supports other entities but currently sits 100% on this LLC.
Enterprise-wide costs (software, insurance, shared services) dumped on this entity that should be split across affiliated LLCs.
Legal fees, severance, one-time repairs, startup costs — items that won't repeat.
Non-cash expenses the bank will typically already add back when calculating debt service coverage.