Why this matters. A business with a weak standalone DSCR can still get approved if the guarantor's personal income comfortably covers the gap — and a business with a strong standalone DSCR can get declined if the owner is personally over-leveraged. Global cash flow is the number that actually decides most personally-guaranteed small business loans.
🏢 Business Financials (most recent year)
👤 Personal Financials
For educational purposes only. Global cash flow methodology varies by lender — some weight personal living expenses more heavily, some exclude certain personal debts. This tool uses a standard, commonly-taught methodology, not any specific lender's formula. Nothing here constitutes financial advice or a discouragement from applying for credit. Every person has the right to apply for credit from any lender.