“The infamous Debt-To-Income ratio is the standard formula most lenders use to determine a potential borrowers capacity. Lenders calculate this by adding up a borrower’s total monthly debt payments and dividing that by the borrowers gross monthly income.” Business QuotesHendrith SmithBorrowingLendersBorrowersInterest RatesQuotes About BusinessBasis PointDebt To Income Book:Capital Acquisition: Small Business Considerations for How to Get Financing Source: Capital Acquisition: Small Business Considerations for How to Get Financing