Free tool
Loan Readiness Check
See your business the way a bank does before you apply: debt service cover, current ratio, borrowings against net worth, profit margin and the working capital a bank may fund.
Checked: November 2026
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How this check works
Debt service cover (DSCR)
Cash the business makes (net profit + depreciation + interest) ÷ interest and principal due in the year, including the new loan. Lenders commonly look for 1.25 or more.
Current ratio
Current assets ÷ current liabilities. Around 1.33 or above is the usual comfort level for working-capital limits.
Outside liabilities to net worth
Everything you owe, with the new loan, ÷ your own funds in the business. The lower, the stronger.
The score
A guide out of 100 from these four measures. It is not a credit score and does not include your CIBIL score, security offered or repayment history, which lenders also check.
Indicative, not professional advice. It uses only what you enter.