FINANCE TOOLS
Debt Capacity Calculator
Estimate how much additional debt your business may prudently support based on cash flow, existing obligations, leverage, and lender-style debt-service requirements.
Adjust the lending assumptions to evaluate both base-case borrowing capacity and the amount the business could support under a downside scenario.
Business & cash flow
Use normalized annual amounts—not a single unusually strong year.
Existing obligations
Lending assumptions
Enter percentages normally: use 8.5 for 8.5% and 20 for 20%. For analytical integrity, any Target DSCR entered below 1.00x is calculated using a 1.00x minimum and identified in the results.
YOUR BORROWING OUTLOOK
Limited capacity
Recommended stress-tested capacity
$0Base-case theoretical maximum: $0How the recommendation was determined
The lowest of all three limits governs. The theoretical amount is shown for context and is not presented as prudent when the downside test supports less.
DOWNSIDE TEST
20% EBITDA decline
What this means
Important: This is an analytical estimate, not a lending commitment. Actual capacity depends on collateral, credit history, lender policy, guarantees, industry risk, and financial-reporting quality.