Dealer DTI Calculator — Quick Qualification for Equipment & Inventory Loans

If the DTI figure the calculator shows fits your cash‑flow comfort zone, you likely qualify for dealership equipment financing — the next step is a soft‑pull rate check. Actual rates still depend on your credit profile, collateral and loan term.

What changes your rate / answer

• Credit score – Higher scores push rates toward the low end of the 8‑25% APR range.
• Loan term – Extending the term lowers monthly payments but raises total interest, nudging the DTI upward.
• Collateral – Securing the loan with the equipment or a fleet can shave points off the APR.
• Down payment – Putting 10‑20% down reduces principal and improves DTI.
• Revenue stability – Consistent monthly gross revenue keeps the income side of the ratio strong.

How to use this

• Enter your total monthly debt obligations (existing loans, payroll, lease payments).
• Input gross monthly revenue from vehicle sales, service bays, parts and any other dealership income.
• The calculator divides debt by revenue and shows the DTI percentage.
• Compare the result to the typical lender maximum of 43% DTI for dealer loans.
• Adjust any of the inputs—reduce debt, boost revenue, increase down payment, or extend the loan term—to see how the ratio moves.

Bottom line

A DTI at or below 43% signals you’re in the sweet spot for low‑cost dealership equipment financing; a higher number suggests you need to tweak financing terms or improve cash flow before applying.

Dealers often combine an equipment loan with a working‑capital line to cover inventory purchases while keeping DTI manageable. For instance, a Boston‑area dealership using a buy‑here‑pay‑here program can fund service‑bay upgrades through a separate equipment loan and still stay within lender limits. See how that model works in practice in the Boston BHPH financing guide.

For a quick look at how fast funding can be, note that our equipment‑financing partner can deliver capital in 3‑7 days after approval. Need a larger, multi‑year loan? The SBA 7(a) program—available for dealers meeting a 640 FICO floor and 24‑month operating history—offers Prime + 2.75‑4.75% APR over up to 25 years. Visit our home for additional financing options.