Underwriting
Debt service coverage ratio (DSCR)
Definition
DSCR compares the cash a business generates against the payments it must make, expressing whether income comfortably covers obligations.
A ratio above 1.0 means income exceeds required payments. Lenders generally want meaningful headroom above 1.0 rather than a bare pass, because a ratio close to 1.0 leaves nothing for a slow month.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $250,000+ in yearly revenue, 1+ year in business, and a 580+ credit score is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded