Free calculator
How much debt can your business safely carry?
Enter a few numbers, get an indicative borrowing capacity, based on cash flow coverage and leverage limits. It is the same lens lenders and acquirers use.
Your debt capacity
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Indicative maximum total debt
1 404 121 €
Currently limited by debt service coverage (DSCR).
Taken as the lower of your leverage cap and the debt your cash flow can service.
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How this is calculated
We take the lower of two limits. (1) Leverage: your leverage multiple cap times EBITDA. (2) Coverage: the cash available for debt service is EBITDA divided by your target DSCR. We capitalize that annual amount over the chosen term at your interest rate, using a standard annuity (the present value of an amortizing loan). The smaller of the two is your indicative maximum total debt, and annual debt service is the repayment on that loan.
Serviceable debt = (EBITDA ÷ DSCR) × [1 − (1 + r)^−n] ÷ r, where r = rate and n = term.
Indicative estimate only, not financial advice or a financing offer. Real capacity depends on covenants, seasonality, working capital, asset cover and lender appetite.
When to use this
A quick sanity check before any conversation about borrowing.
Planning growth capex
Check how much investment your cash flow can support before you approach a bank.
Sizing an acquisition
See how much acquisition debt the combined business could realistically service.
Refinancing
Test whether you can consolidate or replace facilities on a better rate and term.
Turn capacity into a financing plan
Fractional CFO for SMEs and startups
A senior finance partner to structure your debt, model scenarios and negotiate with the banks, from EUR 1.5k a month.
Explore CFO advisoryAcquisition analysis
Stress test leverage and returns on a target before you commit, EUR 2k to 8k per deal.
See acquisition supportFrequently asked questions
Want a precise, lender ready debt capacity?
We build a fundable plan with covenant headroom, scenarios and a banking strategy, then help you negotiate.