{"product_id":"dscr-debt-planner","title":"DSCR \u0026 Debt Planner: Know How Much Debt a Business Can Really Carry Before You Sign.","description":"\u003cp dir=\"ltr\"\u003e\u003cspan\u003eMost buyers start with the asking price. Lenders start with the cash flow. That gap is where people get hurt.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eHere's how it usually goes. A buyer gets the loan because on paper it works. Then year one is a little softer than the seller's best year, rates tick up, the truck needs a new transmission, and suddenly there's nothing left to pay themselves. The business didn't fail. The structure did. This planner flips the order, so the loan payment feels comfortable, not barely possible.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003eWhat's Inside\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• How lenders calculate debt service coverage (DSCR), and what they want to see\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• How to find the cash the business really produces, not the seller's best year\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• How much debt that cash can carry, with a cushion for a bad month\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• Stress tests for softer revenue and higher rates\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• Maria's fictional deal worked out at every step, then worksheets for yours\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003eWho It's For\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003e• Buyers using an SBA loan, a bank loan, or a seller note\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• Buyers deciding what they can afford to offer\u003c\/span\u003e\u003cspan\u003e\u003cbr\u003e\u003c\/span\u003e\u003cspan\u003e• Anyone who wants to pay themselves after the loan payment\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003eWhat You Get\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eInstant download: a fillable PDF you can type right into, plus a print-ready PDF. It's also in your library in the Deal Dynamics app.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan style=\"text-decoration: underline;\"\u003ePairs Well With\u003c\/span\u003e\u003c\/p\u003e\n\u003cp dir=\"ltr\"\u003e\u003cspan\u003eThe Deal Financing Kit and the LOI Bundle. Want me to look at your numbers? Book a Deal Review.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Deal Dynamics Consulting","offers":[{"title":"Default Title","offer_id":44907370315983,"sku":"DDC-BUY-PLN-01","price":147.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0648\/0075\/1823\/files\/dscr-planner.png?v=1791333730","url":"https:\/\/www.dealdynamicsconsulting.com\/products\/dscr-debt-planner","provider":"Deal Dynamics Consulting","version":"1.0","type":"link"}