Global Debt Service Coverage
A debt coverage calculation that combines both business and personal income and obligations, similar to global cash flow, to judge total loan affordability.
Rather than measuring the business’s DSCR in isolation, global debt service coverage rolls in the owner’s personal debts and income, especially relevant when a personal guarantee ties the owner’s finances directly to the loan.
Lenders may use this combined view either to strengthen a marginal business-only DSCR or as a more conservative check when an owner carries significant personal debt alongside the business’s obligations.
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