Is Your Business Bankable? The #1 Ratio Every Founder Must Know (DSCR)

In this video, you’ll learn the #1 factor banks assess before approving any business loan: DSCR (Debt Service Coverage Ratio).
If you don’t understand DSCR, you’re walking into a bank conversation blind — and your competitor will out-leverage you.

Banks don’t fund “vision.”
They fund predictable repayment.

That’s why DSCR is the first ratio lenders check to decide if your company is bankable or rejected.

What you’ll learn:

What DSCR is (in simple founder language)
How banks calculate it (the real underwriting logic)
The minimum DSCR most banks want to see (1.2–1.4+)
How DSCR changes when you borrow more capital
The fastest ways to improve DSCR (increase EBITDA, extend term, negotiate structure)
Why term matters more than interest rate in most cases

Why this matters:

Most founders obsess over revenue and EBITDA — but banks ask one question:
Can this company service debt safely for years?

That’s what DSCR answers.

About me:

My name is Arthur Geisari and I run a business funding brokerage called Oferta Finance.
Over the last 10+ years, I’ve helped 1,500+ founders raise €100M+ in debt funding — and I teach entrepreneurs how to think like banks, structure deals correctly, and use debt as a growth lever without giving away equity.

If you’re a founder scaling your company and want to master capital strategy, subscribe — this channel is built for you.

✅ Subscribe for more videos on:
Bank funding strategy
Loan approval logic
Debt structuring
Collateral, covenants, and leverage
Debt/EBITDA and capital stacks

About Oferta Finance - www.oferta.finance
About Arthur Geisari - www.arthurgeisari.com
Free funding calculator - www.arthurgeisari.com/calculator