Free credit calculators.
The quick checks every analyst runs, with your own policy limits built in. No sign-up.
Debt service coverage ratio (DSCR) calculator
Work out how many times a borrower's cash flow covers its annual debt payments, and how much cash flow could fall before coverage drops below your minimum.
DSCR = Cash flow available for debt service / Annual debt service (principal + interest)
Loan-to-value (LTV) calculator
Check a loan against the value of its collateral, and see the largest loan that fits your maximum loan-to-value.
LTV = Loan amount / Collateral value
Debt yield calculator
Size a commercial real estate loan on income alone, independent of interest rate and amortization.
Debt yield = Net operating income / Loan amount
Funded debt to EBITDA (leverage) calculator
Measure how many years of EBITDA it would take to repay a borrower's funded debt, and test it against a leverage covenant.
Leverage = Total funded debt / EBITDA