Free Global Cash Flow Calculator
Global Cash Flow Calculator
Consolidate income across the borrower, guarantor, and related entities against every debt obligation to compute global DSCR — the core test for SBA and C&I underwriting.
Income sources (annual)
Debt obligations (annual)
Result
Global cash flow is the slowest part of SBA and C&I underwriting. LendPipe consolidates every entity and guarantor automatically from the tax returns.
See SBA automationThe global DSCR formula
Global DSCR extends the standard coverage ratio across every income source and every obligation tied to the borrower and guarantor:
Global DSCR = Total Global Income ÷ Total Global Debt Service
Income includes business cash flow, guarantor personal income, and other recurring income. Debt service includes the proposed loan, existing business debt, and personal obligations like mortgages and auto loans.
Worked example
A borrower's operating company throws off $320,000 in EBITDA. The guarantor reports $140,000 in personal income. Combined debt service — the proposed SBA loan ($210,000), existing business debt ($60,000), and personal debt ($95,000) — totals $365,000.
$460,000 ÷ $365,000 = 1.26x
Against a 1.15x policy minimum, the combined cash flow clears with a healthy cushion.
What to include — and what trips people up
- Capture income from every entity the guarantor owns, not just the operating company.
- Avoid double-counting — K-1 distributions already reflected in business cash flow should not be added twice.
- Include the guarantor's personal mortgage and installment debt, which property-level DSCR ignores.
Frequently asked questions
What is global cash flow analysis?
Global cash flow analysis combines all of a borrower's and guarantor's income and debt obligations into a single view — the operating business, any affiliated entities, real estate holdings, and personal income from W-2s and K-1s, against the proposed loan plus every existing business and personal debt. It answers whether total available cash flow covers total debt service, which is the standard underwriting test for SBA loans and any borrower with ownership in multiple entities.
What is the global DSCR formula?
Global DSCR = Total Global Income ÷ Total Global Debt Service. Total global income sums business cash flow (typically EBITDA), guarantor personal income, and any other recurring income. Total global debt service sums the proposed loan's annual payment, existing business debt, and personal debt such as mortgages and auto loans. A global DSCR of 1.15 means combined cash flow covers combined obligations 1.15 times over.
What global DSCR do SBA lenders require?
Most SBA 7(a) lenders look for a global DSCR of at least 1.15, though policies range from roughly 1.10 to 1.25 depending on the lender and the deal's risk profile. The SBA itself does not mandate a single number, but a global DSCR below 1.0 — where combined income does not cover combined debt — is generally disqualifying because the borrower cannot service the debt from total cash flow.
Why is global cash flow the slowest part of underwriting?
It requires pulling income and debt from many sources — multiple years of business returns, personal 1040s, K-1s from each entity, real estate schedules, and existing debt schedules — then normalizing and consolidating them by hand. A single borrower can involve five or more entities, each with its own return. This manual aggregation is error-prone and is one of the most common bottlenecks in SBA and C&I credit analysis.
Global cash flow, built automatically
LendPipe spreads every entity and guarantor return, then consolidates income and debt into a global cash flow analysis with each figure cited to its source document — the slowest part of SBA underwriting, done at intake.
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