2024 January

January 9, 2024

Understanding the Debt-to-Income (DTI) ratio is vital in the realm of business financing. For entrepreneurs and business owners, a clear grasp of your DTI ratio can be a game-changer in securing the right loan. This article sheds light on the significance of DTI in the loan application process, particularly from the perspective of a loan brokerage like Onebox Funding, and how it influences your ability to secure favorable loan terms.

What is Debt-to-Income Ratio?

DTI is a crucial financial metric used by lenders, and assessed by lenders and brokerages like Onebox Funding, to gauge a business’s ability to manage existing debt and take on new loans. It’s calculated by dividing your monthly debt payments by your gross monthly income. A lower DTI suggests a healthier balance between debt and income.

The Role of DTI in Business Loan Brokering

  1. Assessing Loan Suitability: As brokers, we use DTI to match you with lenders who are more likely to approve your loan application.
  2. Enhancing Loan Approval Odds: Maintaining a DTI ratio within acceptable limits enhances your attractiveness to potential lenders.
  3. Negotiating Better Terms: A favorable DTI can be leveraged to negotiate more advantageous loan terms on your behalf.

How to Calculate and Improve Your Business’s DTI

Calculating your DTI involves totaling your monthly debt obligations and dividing this by your gross monthly income. Improving your DTI can be achieved by reducing debts, increasing income, or restructuring existing debts.


Your DTI ratio plays a pivotal role in the business loan brokering process. Understanding and optimizing your DTI ratio opens up better loan opportunities. As a brokerage, Onebox Funding focuses on evaluating your DTI to connect you with the best lending options suited to your business’s financial health.


Ready to explore your business loan options with an optimized DTI? Reach out to Onebox Funding for personalized services that cater to your unique financial needs! CONTACT NOW