DSCR Calculator
Run the debt coverage math before your banker does
A simple spreadsheet for collision shop owners. Plug in your EBITDA and debt payments to see your current coverage ratio, your ratio after new debt, and the maximum debt service your business may support.
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What's Inside
Current DSCR based on your EBITDA and existing debt payments
Pro forma DSCR after adding new debt so you can see the impact before you borrow
Maximum annual debt service your business may support at a target coverage level
Built for equipment purchases, expansions, acquisitions, and refinancing scenarios
100+
shop owners who've run their DSCR
Collision Advisory resources are used by independent shop owners, MSO operators, and advisors across the U.S.
Doug Higgins | Founder, Collision Advisory
Doug spent a decade as CFO of Kroger's Midwest Division and later served as CEO of TAG Auto Group, one of the largest collision repair groups in the region. He created these resources to give independent shop owners access to the same financial frameworks used at institutional scale.
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