{"ok":true,"canonical_url":"https://dealroom.so/glossary/debt-to-income-ratio","api_url":"https://dealroom.so/api/public/glossary/debt-to-income-ratio","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"debt-to-income-ratio","term":"Debt-to-Income Ratio","aka":"DTI","group":"Reading the business","definition":"This ratio compares your total monthly debt payments to your gross monthly income. Lenders use it to gauge your ability to manage monthly payments, including the new business debt.","what_it_means":"Your personal DTI is a key factor in assessing your creditworthiness and repayment capacity. Lenders want to see a manageable ratio, often below 43%, to ensure you can comfortably handle both personal and business loan obligations. A high DTI can make a loan difficult to get.","url":"https://dealroom.so/glossary/debt-to-income-ratio","official_sources":[],"related":[],"related_questions":[]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Debt-to-Income Ratio","url":"https://dealroom.so/glossary/debt-to-income-ratio","source_type":"DealRoom Data"}}