Free tool · SBA 7(a) calculator and acquisition math
Will this business pay the loan and pay you?
Enter the asking price and cash flow from any business-for-sale listing. See the SBA payment, debt service coverage, and the highest price that still pencils.
The listing
Coverage of 1.45× clears the 1.25× most SBA lenders want.Max price at 1.25× coverage on these terms: $988,000.
- Price ÷ cash flow
- 3.54×
- SDE multiple
- SBA loan
- $765,000
- $85,000 down
- Monthly payment
- $10,323
- SBA + seller note
- Annual debt service
- $123,870
- All loan payments
- Debt coverage (DSCR)
- 1.45×
- After your salary
- Max price at 1.25×
- $988,000
- Same terms
Where each year's cash flow goes
Estimates only. Excludes the SBA guaranty fee, closing costs, working capital and taxes. Not financial or legal advice — work with a CPA, an attorney and your lender before you make an offer.
Get these numbers on every listing, automatically.
Deal Analyzer is a Chrome extension that shows cash flow after debt service, debt coverage and the most you could pay right on the listing page, using your own loan settings. One click asks the broker for the NDA and CIM or sends the deal to your Google Sheet pipeline.
Add to Chrome · 7 days freeFree for 7 days with no credit card, then $19 a month. Works on BizBuySell, BizQuest, Transworld, Sunbelt, BizScout, Acquire.com, BizBen, BusinessBroker.net, Vested Business Brokers, Website Closers, DealStream, First Choice Business Brokers, HedgeStone, Murphy Business Sales, We Sell Restaurants, LINK Business. Runs in Chrome, Edge, Brave, Dia, Opera and Firefox on desktop.
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