{"id":208730,"date":"2026-03-19T12:43:01","date_gmt":"2026-03-19T19:43:01","guid":{"rendered":"https:\/\/www.nationalfunding.com\/blog\/?p=208730"},"modified":"2026-03-06T13:25:47","modified_gmt":"2026-03-06T21:25:47","slug":"ways-to-lower-your-debt-to-income-ratio-for-a-loan","status":"publish","type":"post","link":"https:\/\/www.nationalfunding.com\/blog\/ways-to-lower-your-debt-to-income-ratio-for-a-loan\/","title":{"rendered":"Ways to Lower Your Debt to Income Ratio for a Loan"},"content":{"rendered":"<p><span data-contrast=\"auto\">Improving your\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/the-debt-to-income-ratio-for-loans-and-financing\/\"><span data-contrast=\"none\">debt-to-income ratio (DTI)<\/span><\/a><span data-contrast=\"auto\">\u00a0before applying for a business loan or other type of financing reduces the risk of underwriting delays or being denied because of your finances. Consumer and business lenders have their own requirements for what makes a \u201cgood\u201d DTI, but common ranges include:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Low-risk DTI being under 36%<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Medium-risk DTI at levels between 36%\u00a0and\u00a045%<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">High-risk DTI for numbers over 45%<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">DTI is a ratio that focuses on your personal\u00a0finances, but\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/\"><span data-contrast=\"none\">small business lenders<\/span><\/a><span data-contrast=\"auto\">\u00a0use it together with your business\u2019s\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/how-debt-service-coverage-ratios-apply-to-loans\/\"><span data-contrast=\"none\">Debt Service Coverage Ratio<\/span><\/a><span data-contrast=\"auto\">\u00a0(DSCR) to gauge whether you will still be able to make payments on a business loan if your company\u2019s cash flow drops. Even if you have a high enough DSCR (most lenders want one above 1.25), a high DTI ratio can limit how much you can borrow,\u00a0can\u00a0increase the interest rates lenders offer, or may result in a denial, even when the business itself looks healthy.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A low DTI can help you get approved for a business loan if your DSCR\u00a0isn\u2019t\u00a0as low as lenders want,\u00a0because the low DTI shows\u00a0lenders\u00a0you\u2019ll\u00a0be able to cover business loan payments even if sales fall.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">There\u00a0are\u00a0two ways to improve your\u00a0debt to income\u00a0ratio before you apply for financial products like a<\/span><span data-contrast=\"none\">\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/small-business-loans\/\"><span data-contrast=\"none\">small business loan<\/span><\/a><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Have a\u00a0quiet period for personal finances<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Do a\u00a030\/60\/90-day\u00a0plan to improve your DTI<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">Quiet Period for Personal Finances<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Having a\u00a0quiet period of 90\u00a0to\u00a0120 days\u00a0before you apply for commercial financing like business lines of credit or business loans\u00a0is\u00a0a good way\u00a0to strengthen your ratio. This is a\u00a0time frame\u00a0where you avoid opening new credit accounts, applying for personal loans, or making\u00a0large financed\u00a0purchases before your business loan application so that underwriters\u00a0don\u2019t\u00a0have to recalculate everything due to last-minute changes on your personal credit report. If\u00a090 days\u00a0is not doable, give yourself at least a\u00a030-day\u00a0window.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If your personal credit report changes during this\u00a0time\u00a0frame, it could cause the lender to make requests for more documents or even put your DTI over their internal minimums,\u00a0which\u00a0can\u00a0result in higher interest rates, less than ideal terms, or a declined application.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pro-tip: When possible, pay off or pay down personal debts and make sure your business lender knows about it when they calculate your DTI.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"auto\">30\/60\/90-Day Plan to Improve Your\u00a0Debt to Income\u00a0Ratio<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Your\u00a0debt to income\u00a0ratio measures how much you pay on personal debt each month\u00a0(from mortgage, credit cards, and personal loans)\u00a0compared to your total income. This means the biggest ways to improve your ratio come from tackling debts with\u00a0relatively high\u00a0monthly payments compared to their principal balance. Here are the steps to take in each of the three months leading up to your business loan application.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">First 30\u00a0Days<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:320,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The first\u00a030 days\u00a0is\u00a0all about lowering your monthly debt obligations. Start by creating a spreadsheet listing all your personal monthly debt obligations, then focus on:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Paying off small personal debts like buy-now-pay-later plans, short-term personal loans, and low-balance credit cards.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prioritizing debts where a payoff removes an entire monthly payment.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Moving business expenses off personal credit\u00a0cards,\u00a0so they no longer count toward personal debt obligations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">If you make $10,000 income each month and have $5,000 monthly debt payments, your DTI would be 50%, which is\u00a0high\u00a0risk for most lenders.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Paying off a $1,000 \u201cPay in 4\u201d charge from a recent vacation expense you split over 4 months lowers your DTI to 40% ($4K debt divided by $10K income) and puts you into the middle of the medium risk tier for business lenders, helping your chances of getting approved.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Getting a debt consolidation loan can work in these first\u00a030 days\u00a0as long as you lower the monthly payment.\u00a0Combining 3 loans into 1 with a longer payback period will cost more in total interest over the life of the\u00a0loan but\u00a0will lower your monthly payment and improve your DTI.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Days 31\u201360<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:320,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Your goal for days 31 to 60 is to review your records and make sure business lenders will accurately calculate your global cash flow from both personal income and business receipts.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Lenders start with your adjusted gross income (AGI) and then add back or\u00a0subtract out\u00a0non-cash or non-recurring items to\u00a0determine\u00a0your stable cash flow, but they can overlook or miss important items. By reviewing documents yourself,\u00a0you\u2019ll\u00a0be prepared to catch any errors or omissions they might make.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Start by reviewing your tax returns and any investment decisions to\u00a0identify\u00a0big changes\u00a0in items that are added back or subtracted from global cash flow when calculating DTI. Examples include:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Changes in depreciation and amortization, like using a section\u00a0<\/span><a href=\"https:\/\/www.nationalfunding.com\/blog\/a-guide-to-the-section-179-deduction-and-its-changes\/\"><span data-contrast=\"none\">179 deduction<\/span><\/a><span data-contrast=\"auto\">\u00a0to expense a large purchase that made your income look artificially low last year.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">One-time gains or losses like a loss on selling a piece of real estate you\u00a0owned. That loss\u00a0won\u2019t\u00a0happen\u00a0again\u00a0and\u00a0you\u2019ll\u00a0have extra cash from not paying property tax, insurance, and other ownership costs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Tax changes like moving from a high tax state to one with no income tax.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Selling a stock with no dividend for another stock that pays a high yield.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Document any items that show the lender\u00a0you\u2019ll\u00a0have higher (or at least not lower) cash flow in future years so they can accurately\u00a0determine\u00a0your risk through global cash flow, even if your DTI\u00a0isn\u2019t\u00a0strictly changed.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Days 61\u201390<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:320,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Use the final\u00a030 days\u00a0of your 30\/60\/90-day\u00a0plan to double check that you\u00a0didn\u2019t\u00a0miss any items and fix anything that slipped through the cracks. Look for:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Monthly business cell phone bills that\u00a0didn\u2019t\u00a0get charged to business credit cards.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Announcements from companies where you own stock, which\u00a0had\u00a0dividends.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Raises you got at a job that\u00a0are\u00a0not related to the business taking the loan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Business expenses that are still\u00a0getting\u00a0charged to personal cards.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u25cf\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Subscriptions you canceled but vendors are still billing you for.\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Get a copy of your personal credit report,\u00a0and double check\u00a0that\u00a0each\u00a0account and tradeline listed from the credit bureaus is\u00a0accurate. If not, contact the lender, bank, or credit card company directly and get them to notify the credit bureau of debts\u00a0you\u2019ve\u00a0already\u00a0paid. Ask the lender for a letter of payoff or current balance on their company letterhead if you\u00a0can\u2019t\u00a0get this reflected on your credit report in\u00a0time,\u00a0and\u00a0give your business lender a copy of the letter.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you have a strong relationship with your lender, ask them for a call during these final 30 days and walk them through your own debt schedule and DTI calculation to see if they agree. This builds\u00a0their\u00a0confidence in your financial discipline and\u00a0expertise.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Your debt-to-income ratio shows the percent of\u00a0total\u00a0gross monthly income\u00a0that\u00a0you pay\u00a0toward\u00a0personal debt. Small business lenders use your DTI together with your\u00a0business\u2019s\u00a0debt service coverage ratio\u00a0to see\u00a0your\u00a0global cash flow, and these\u00a0help them\u00a0determine\u00a0your risk as a borrower.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"none\">National Funding does not provide tax,\u00a0legal\u00a0or accounting advice. This material has been prepared for informational purposes only. You should consult your own tax,\u00a0legal\u00a0and accounting advisors.<\/span><\/i><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:195,&quot;335559739&quot;:195}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Improving your\u00a0debt-to-income ratio (DTI)\u00a0before applying for a business loan or other type of financing reduces the risk of underwriting delays or being denied because of your finances. Consumer and business lenders have their own requirements for what makes a \u201cgood\u201d DTI, but common ranges include:\u00a0 Low-risk DTI being under 36%\u00a0 Medium-risk DTI at levels between<a class=\"excerpt-read-more\" href=\"https:\/\/www.nationalfunding.com\/blog\/ways-to-lower-your-debt-to-income-ratio-for-a-loan\/\" title=\"ReadWays to Lower Your Debt to Income Ratio for a Loan\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":38,"featured_media":208731,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-208730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-health"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ways to Lower Your Debt to Income Ratio for a Loan<\/title>\n<meta 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