OpenChainGraph Suite · ART-363 · Lending & Credit Risk

DSCR & Interest Coverage Ratio Calculator

Debt Service Coverage Ratio and Interest Coverage Ratio suite: Basic/Cash/FCF DSCR, Fixed Charge Coverage Ratio, EBIT/EBITDA-basis ICR, and Net/Gross Leverage, evaluated against a published lender threshold matrix. Provable version of tools/438-dscr-interest-coverage-calculator.html.

Commercial Lending Covenant Testing

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Income & Cash Flow ($M)

EBITDA

EBIT

Cash taxes

Capex

Working capital change

Operating lease expense

Debt Service ($M)

Interest expense

Principal repayment

Revolver draw / other

Amortization

Total debt outstanding

Cash & equivalents

Ratio Detail

Lender Threshold Assessment

Lender Category	DSCR Min	ICR Min	Meets

Execution Hash (SHA-256)