Debt Service Coverage Ratio (DSCR) Explained | Why Banks Approve or Deny Business Loans

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Издатель
If your business loan application was denied, it might not be because of your credit score. The real reason could be your Debt Service Coverage Ratio (DSCR).

In this video, we’ll cover:
✅ What DSCR means and why it matters
✅ The formula banks use: Net Operating Income ÷ Total Debt Payments
✅ Why lenders require a minimum DSCR of 1.25
✅ Real-world example so you can calculate it for your business

Understanding DSCR helps you:
✔ Improve your loan approval chances
✔ Structure your finances before applying
✔ Avoid unnecessary rejections from banks
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