Global cash flow and global DSCR calculator
Combine the business and its owners into one picture: can everyone's cash flow, together, cover everyone's debt?
- Global DSCR
- 1.27x
- Business-only DSCR
- 1.35x
- Global cash flow
- $455,000
- Excess over your minimum
- $7,500
How to use it
Global DSCR = (Business cash flow + Guarantor income - Living expenses) / (Business debt service + Personal debt service)
- Business cash flow is the cash available for debt service from the spread, after the adjustments your policy requires.
- Guarantor income is personal income not already counted in business cash flow: salaries from other sources, rental income, investment income. Don't count distributions from the borrower twice.
- Living expenses are often a policy figure per household or taken from the personal financial statement; personal debt service includes mortgages, auto loans and card minimums.
For illustration only. Use your institution's own policy definitions.
