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Financial Inputs
Income Statement
Debt Service
Balance Sheet (for leverage context)
Lender Thresholds
Indicative Market Benchmarks
| Lender Type | DSCR min | ICR min |
|---|---|---|
| Investment Grade Corp | 1.50x | 4.0x |
| Leveraged Loan (BB) | 1.25x | 2.5x |
| CRE / Property | 1.25x | — |
| Infrastructure | 1.15x | — |
| SME / Mid-market | 1.20x | 2.0x |
Ratio Definitions
Basic DSCR = EBITDA / (Interest + Principal)
Cash DSCR = (EBITDA − Capex − Taxes) / DS
FCF DSCR = (EBITDA − Capex − WC − Taxes) / DS
FCCR = (EBITDA + Leases) / (Interest + Leases + Principal)
ICR (EBIT) = EBIT / Interest
ICR (EBITDA) = EBITDA / Interest
Cash DSCR = (EBITDA − Capex − Taxes) / DS
FCF DSCR = (EBITDA − Capex − WC − Taxes) / DS
FCCR = (EBITDA + Leases) / (Interest + Leases + Principal)
ICR (EBIT) = EBIT / Interest
ICR (EBITDA) = EBITDA / Interest
Leverage Metrics
Net Leverage = (Total Debt − Cash) / EBITDA
Gross Leverage = Total Debt / EBITDA
Typical IG: Gross <2x | Leveraged: 3–5x
Gross Leverage = Total Debt / EBITDA
Typical IG: Gross <2x | Leveraged: 3–5x
Sensitivity Scenarios
Calculates all ratios at EBITDA ±10% and ±20%, and with interest rate stress of +100bps and +200bps applied to total interest expense.
v1.0 · May 2026 Cat-28
DSCR & Coverage Analysis
All Coverage Ratios — Base Case
SVG Bar Chart — Ratios vs Thresholds
Lender Threshold Matrix
Break-even EBITDA (to meet threshold)
Sensitivity — EBITDA Stress & Rate Shock