I saw some people on Searchfunder ask about DSCRs so I made a free tool that calculates DSCR based on acquisition price and loan amount: https://godealwise.com/blog/debt-service-ratio-calculator-for-sba-loans
You can go through it multiple times to see how exit multiple, seller financing, loan rates and loan terms affect the DSCR.
As a bonus, it also calculates the SBA guarantee fee which is charged to lenders but usually passed on to you. The SBA has a progressive fee schedule based on loan amount so calculating it manually isn't straightforward.
Simple DSCR calculator
![](https://55550cf88fb9105859d2-ecc273435fde99d2e690dfef78341117.ssl.cf5.rackcdn.com/img/defaultprofile.png)
by an intermediary from University of Toronto
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Searchfunder is an online community and toolkit for searchfunds. Over 80% of those involved in searchfunds maintain a Searchfunder.com account to help them network, problem solve challenges, and keep up with the industry.
We maintain partnerships with database providers that make searching more effective, efficient and affordable along with features that help searchers find deals and investors and vice versa.
We maintain partnerships with database providers that make searching more effective, efficient and affordable along with features that help searchers find deals and investors and vice versa.
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