# Debt Service Principal Due Denominator

Use repayment obligations for the measurement period rather than the entire loan balance.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
Loan schedules, outstanding balances, principal due, interest due, period and approved coverage formula.

## Workflow
1. Separate stock of debt from principal due in the period.
2. Include interest due for the same period and all supplied covered facilities.
3. Hold missing repayment schedules or zero denominator.
4. Return an illustrative coverage bridge, not a lending decision.

## Output contract
facility | debt_balance | principal_due | interest_due | coverage_period | denominator | unknown

## Fictional acceptance test
Fictional debt balance500,annual principal30,interest20 and EBITDA100 yield illustrative2.0 using50 service, not100/520. Missing second-facility schedule prevents complete coverage.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://corporatefinanceinstitute.com/resources/commercial-lending/debt-service-coverage-ratio/

Checked October 13, 2026. Oct13 live AIS Search Console: marketing Copilot37 impressions, Planable/Claude43, Planable/ChatGPT24, campaignbrief12, investoragent19, MuseIndia103. Social calendar/reporting topics follow parent-query leads; other professions follow documented workflow needs, not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured.