SBA Pre-Qual Calculator

Estimate your SBA loan eligibility based on your business cash flow and debt service coverage ratio

Business FinancialsFAQ

Enter your company performance details

Annual Revenue

Annual Net Income

Existing Monthly Debt

Business Type

Loan Assumptions

Estimated Interest Rate (%)

Loan Term

Target DSCR

SBA lenders typically require a minimum Debt Service Coverage Ratio (DSCR) of 1.0–1.25. Select your target DSCR above to adjust the calculation.

Estimated SBA Loan Eligibility

$388,808

Based on your cash flow & debts

Maximum Loan Amount$388,808

Est. Monthly Payment$5,246

Net Margin20.0%

Debt Service Coverage Ratio1.15x

Net Margin Health

0%10%–30% (Ideal)20.0%

Excellent! Your margins are within healthy limits.

Connect with SBA lending specialists to discuss your eligibility and get personalized rates.

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