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  • Ratio Calculation of Business Loan Leverage

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    Mahesh Rajpurohit
    9 views5 pages
    This document calculates various financial ratios for a business loan. It analyzes the leverage ratio, debt service coverage ratio, total debt to EBITDA ratio, and determines loan eligibility for 1, 2, and 3 years. The leverage ratio is 0.732, debt service coverage ratio is above 1 at 1.76, total debt to EBITDA is below 4 at 3.25, and loan eligibility amounts are provided for the different terms.

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    Ratios

    Original Title

    Ratios & Eleigibility

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    This document calculates various financial ratios for a business loan. It analyzes the leverage ratio, debt service coverage ratio, total debt to EBITDA ratio, and determines loan eligibility for 1, 2, and 3 years. The leverage ratio is 0.732, debt service coverage ratio is above 1 at 1.76, total debt to EBITDA is below 4 at 3.25, and loan eligibility amounts are provided for the different terms.

    Copyright:

    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xls, pdf, or txt
    9 views5 pages

    Ratio Calculation of Business Loan Leverage

    Uploaded by

    Mahesh Rajpurohit
    This document calculates various financial ratios for a business loan. It analyzes the leverage ratio, debt service coverage ratio, total debt to EBITDA ratio, and determines loan eligibility for 1, 2, and 3 years. The leverage ratio is 0.732, debt service coverage ratio is above 1 at 1.76, total debt to EBITDA is below 4 at 3.25, and loan eligibility amounts are provided for the different terms.

    Copyright:

    © All Rights Reserved
    Download as XLS, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xls, pdf, or txt
    of 5

    RATIO CALCULATION OF BUSINESS LOAN

    LEVERAGE
    CAPITAL 3000000

    RESERVE AND SURPLUS 32831259

    UNSECURED LOANS FROM


    10000000
    FRIENDS AND FAMILY

    LOANS & ADVANCES


    GIVEN(promoters, close relatives,
    0
    entity , any diversion of fund other
    than business related)

    TOTAL OF BALANCE SHEEET 79401975

    NET WORTH 45831259

    TOTAL LIABILITY 33570716

    LEVERAGE 0.7324851364

    Below 5
    TOTAL DEBT/EBITDA

    CC / OD

    TOTAL DEBT/EBITDA
    ION OF BUSINESS LOAN

    DSCR
    NET PROFIT 17953114
    1157732
    DEPRECIATION 507402
    3576657
    7153314
    INTEREST ON BANK LOANS 1076131
    5645256
    3075316.8
    LONG TERM BORROWINGS(term
    50000000
    loan, HL, lap,BL,)as per BS

    20% OF LONG TERM 175000


    10000000
    BORROWINGS

    EBITDA 19536647

    DSCR 1.763851204
    Above 1

    TAL DEBT/EBITDA

    13412046

    3.245799855
    Below 4
    267702
    3212424

    2569939.2
    LOAN ELIGIBILITY

    TURNOVER 0

    NET PROFIT 17953114

    TAX & INTEREST PAYABLE 0

    DEPRECIATION 507402
    Debtors

    INTEREST ON BANK LOANS 1076131

    TOTAL EMI ON BANK LOANS per


    0 Creditors
    month
    BTO
    TOTAL EMI ANNUALY 100000000

    80% OF ANNUAL EMI 80000000

    CASH PROFIT BEFORE MULTIPLIER 19536647

    ELIGIBILITY FOR 3 yrs -42002837

    ELIGIBILITY FOR 2 yrs -51771160.5

    ELIGIBILITY FOR 1 yr -61539484


    0.29968714 0.24536186
    109.385805 89.5570806

    0.67217384 0.32629443

    245.343451 119.097468

    17662260
    35324520
    0.99051962
    99.0519624

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