SBA 504 Debt Coverage Ratio Stress Test Calculator

📊 Enter Loan Data

Total Project Cost

First Lien Amount

First Lien Rate (%)

SBA 504 Amount

SBA 504 Rate (%)

Cash Equity

5-Year EBITDA Projections

Year 1 EBITDA

Year 2 EBITDA

Year 3 EBITDA

Year 4 EBITDA

Year 5 EBITDA

Debt Coverage Ratio: Baseline vs Stress Test

🎯 Stress Test Analysis Summary

📄 Print Instructions

For best results: Use "Print to PDF" or set printer to "Color" mode

Paper Size: 8.5" x 11" (Letter) • Orientation: Portrait

Margins: Normal (0.5") • Scale: 100%

This will generate a professional 2-page loan analysis report

SBA 504 Loan Stress Test Analysis

Professional Risk Assessment & Financial Modeling

Project Information

Borrower Name:

Business Type:

Property Address:

Analysis Date:

Why This Analysis Matters

For Borrowers:

Understand your loan's resilience
Plan for economic uncertainties
Demonstrate financial preparedness
Build confidence in your investment

For Lenders:

Assess true loan risk profile
Validate conservative underwriting
Support loan committee decisions
Document thorough due diligence

📊 What the Charts Show:

Baseline DCR: Your projected debt coverage ratios based on conservative business projections.
15% DCR Decline: Performance under moderate stress (economic slowdown, increased competition).
25% DCR Decline: Performance under severe stress (recession, major market disruption).
Minimum DCR Line: The 1.25x threshold required by most SBA lenders for loan approval.

Prepared By: SBA-Capital.com

Email: pierce.pavbank@gmail.com

Website: www.SBA-Capital.com

Specializing in: SBA 504 Loans • Commercial Real Estate Financing • Business Acquisitions

This analysis is prepared exclusively for the named borrower and should not be shared with competitors. Professional financial modeling by experienced SBA lending specialists.