Is this a real credit score or lending decision?

No. It is a planning worksheet built from the numbers you enter, not a bureau score, an underwriting model, or lending advice. Lenders apply their own criteria and data.

How is the DSCR calculated?

Net profit, taken as annual turnover times the profit margin, is divided by the estimated annual debt service including payments on the proposed loan, and shown as the post-loan DSCR.

What DSCR do lenders look for?

A DSCR above 1 means operating profit covers the repayments; below 1 means it does not. Many lenders look for a cushion above 1, but the threshold varies by lender, sector, and loan type, so ask the lender for theirs.

Does the worksheet use AI?

No. The score is calculated with fixed, visible rules from your inputs: DSCR, debt-to-income, business age, industry risk, payment history, collateral coverage, and customer concentration. The factor table shows how each one contributed.

Are my financial details uploaded anywhere?

No. The scoring runs entirely in your browser and nothing is uploaded.

Business credit risk worksheet with DSCR

The debt service coverage ratio (DSCR) is the cash a business generates divided by the loan repayments it must make; below 1 means it cannot cover them from operations.

Calculate DSCR and debt-to-income for a business loan and score risk from vintage, industry, repayment history and collateral. Runs in your browser.

Browser-sideNo accountCopy, download, or print

A rule-based planning worksheet built from the numbers you enter. It is not a credit score, a lending decision, or financial advice.

Last reviewed 30 Oct 2026

Your inputs are saved as a draft in this browser only. Nothing is uploaded.

Jump to result

Result

Risk score449 / 1000

Risk categoryHigh risk

DSCR (post-loan)0.93

Debt-to-income20.0%

Max eligible loan₹15,00,000

Requested loan₹15,00,000 — within eligibility

DSCR is below 1.0: projected profit does not cover existing and proposed debt service, so the category cannot be better than High.

Browser-side planning signal from the inputs you entered — not a credit decision, underwriting model, or lending advice.

Scoring factors

Factor	Assessment	Points
Industry risk	Moderate sector volatility	-50
Debt service coverage	DSCR 0.93 below 1.0 — cash flow insufficient	-200
Debt-to-income	DTI 20.0%	0
Business vintage	5 years	0
Profit margin	15% margin	0
Payment history	Score 4/5	+40
Collateral coverage	60%	+20
Customer concentration	25% — diversified	0
DSCR cap	DSCR below 1.0 caps the score at 449 (High risk at best)	-361

Credit risk worksheet
Risk score: 449 / 1000
Risk category: High risk
DSCR (post-loan): 0.93
Debt-to-income: 20.0%
Max eligible loan: ₹15,00,000
Requested loan: ₹15,00,000 — within eligibility

DSCR is below 1.0: projected profit does not cover existing and proposed debt service, so the category cannot be better than High.
Browser-side planning signal from the inputs you entered — not a credit decision, underwriting model, or lending advice.

Credit risk worksheet
Risk score: 449 / 1000
Risk category: High risk
DSCR (post-loan): 0.93
Debt-to-income: 20.0%
Max eligible loan: ₹15,00,000
Requested loan: ₹15,00,000 — within eligibility

DSCR is below 1.0: projected profit does not cover existing and proposed debt service, so the category cannot be better than High.
Browser-side planning signal from the inputs you entered — not a credit decision, underwriting model, or lending advice.

How to use it

Enter the annual turnover, net profit margin, and total outstanding debt.
Set the requested loan amount, proposed annual rate, and tenure in months.
Add business age, industry risk, payment history score from 1 to 5, collateral coverage, and customer concentration.
Review the risk score, DSCR, debt-to-income ratio, and the scoring factor table.

Questions

Is this a real credit score or lending decision?: No. It is a planning worksheet built from the numbers you enter, not a bureau score, an underwriting model, or lending advice. Lenders apply their own criteria and data.
How is the DSCR calculated?: Net profit, taken as annual turnover times the profit margin, is divided by the estimated annual debt service including payments on the proposed loan, and shown as the post-loan DSCR.
What DSCR do lenders look for?: A DSCR above 1 means operating profit covers the repayments; below 1 means it does not. Many lenders look for a cushion above 1, but the threshold varies by lender, sector, and loan type, so ask the lender for theirs.
Does the worksheet use AI?: No. The score is calculated with fixed, visible rules from your inputs: DSCR, debt-to-income, business age, industry risk, payment history, collateral coverage, and customer concentration. The factor table shows how each one contributed.
Are my financial details uploaded anywhere?: No. The scoring runs entirely in your browser and nothing is uploaded.