Small Business Finance · Simulator
SMB Loan Readiness & Cash Flow Health Simulator
Evaluate if your small business net cash flow can safely service a new loan using standard Debt Service Coverage Ratios (DSCR), stress tests, and maximum safe borrowing limits.
Your numbers
AED
AED
AED
%
months
15 %
Debt Service Coverage Ratio (DSCR)
2.84
Strong Financial Health (DSCR ≥ 1.50x)
Outstanding debt service coverage! Your business generates robust cash flow with substantial buffer against revenue shocks.
Proposed Monthly Loan Payment
AED 4,805
Total Combined Monthly Debt Service
AED 8,805
Remaining Monthly Net Cash Flow
AED 16,195
Maximum Safe Loan Amount (at 1.25x DSCR)
AED 499,486
Stress-Tested DSCR (After Downturn)
2.41
Cash Flow Retention Margin
64.8%
Results update instantly. Nothing is stored.
Verified Aug 31, 2026· Sources · Methodology