would a lender say yes?
Lenders look at two ratios: whether the business can cover its debt (DSCR) and how much of the owner's income already goes to debt (DTI).
Business
New monthly payment–
DSCR–
Owner (personal)
DTI–
Common guides: DSCR of 1.25x or more for business loans and DTI of 43% or less for personal credit. Each lender sets its own rules and also looks at credit history, time in business and collateral.
Estimate, not advice. These results are estimates for planning only, based on 2026 federal rules. They are not tax, legal or financial advice. Your real numbers depend on your full situation.
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