§ TOOL · CAPITAL CAPACITY MODEL
The middle-market debt calculator underwriters actually use.
Model DSCR, FCCR, leverage, and interest coverage against the real covenant floors for senior bank, SBA, ABL, unitranche, mezz, and 504. Every slider recomputes live. Every threshold is transparent.
01 · Facility Type
7.50–9.50% typical
02 · Your Numbers
$1.5M
$4.0M
8.50%
In typical range
7 yr
10 yr
$120K
$150K
$80K
03 · Underwriter Diagnostics
GatedEBITDA Stress Test
| EBITDA as-is | $1.5M | 2.52x DSCR |
| EBITDA -10% | $1.4M | 2.27x DSCR |
| EBITDA -20% | $1.2M | 2.02x DSCR |
| EBITDA -30% | $1.1M | 1.76x DSCR |
Approx. Max Sustainable Debt
$8.1M
at current rate/term/amort, holding DSCR ≥ 1.25x.
Underwriter note. Lenders will re-calc off their add-back methodology, not yours. Owner comp, one-time expenses, and pro-forma synergies get haircut. Model 10–15% haircut before you take a term sheet as gospel.
Illustrative model only. Covenant floors, rate ranges, and amortization assumptions reflect typical middle-market lender norms as of 2026 and vary by lender, sector, and credit profile. Not an underwriting decision, commitment, or advice.