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    Business acquisition calculator

    Run the numbers before you make an offer.

    SBA 7(a) and conventional underwriting: debt coverage, true cash to close, return on cash, and a fair-value check against real sold transactions.

    Sold-comp benchmarks v2026.11.0 · SBA 7(a) terms as of January 2026 · Numbers update as you type

    Your deal at a glance
    Debt coverage (DSCR)
    -
    Cash-on-cash return
    -
    Cash to close
    -

    Numbers update as you type.

    Deal inputs

    Numbers update as you type

    Import a listing

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    The business

    Industry

    Choose a suggested industry or enter your own. Financing calculations work for any industry.

    Asking price
    $
    Revenue (annual)
    $
    SDE, Cash Flow (annual)
    $

    Net income plus owner salary plus non-essential expenses

    Financing

    Defaults: 80% loan at 9.75% over 10 years, terms as of January 2026

    SBA 7(a) loan
    9.75% over 10 yr
    %-
    Seller note
    7% over 5 yr
    %-
    Rollover equity
    Seller retains a stake, rare
    %-
    Cash down payment
    Balances the stack to 100%
    %-

    Transaction costs

    Closing costs
    $

    Auto-estimated at 3% of the asking price, adjust as needed

    Your results

    Underwrite a deal in about a minute

    Enter the asking price, revenue, and SDE. Debt coverage, true cash to close including the SBA guaranty fee, return on cash, and a fair-value check against real sold transactions appear as you type.

    • A plain verdictStrong, worth a look, needs work or walk away, with the reasons.
    • Debt coverageWhether cash flow clears the 1.25 lender standard.
    • True cash to closeDown payment, closing costs and the SBA guaranty fee, plus your cushions.
    • Return on your cashYear-one cash flow after loan payments, against the cash you put in.
    • Sources and usesWhere every dollar of the price comes from: loan, seller note and cash.
    • Fair-value checkThe asking price against real sales.

    Figures appear here from your own inputs. Nothing is filled in for you.

    Reading your results

    The terms, in plain words.

    What each number means and where it comes from. Every figure on this page is built from your own inputs.

    What is DSCR?
    Debt service coverage ratio. It's the business's yearly cash flow divided by its yearly loan payments. Lenders usually want 1.25 or more, so the business earns at least $1.25 for every $1.00 of loan payments.
    What is SDE?
    Seller's discretionary earnings: net income plus the owner's salary plus non-essential expenses. It's the cash one owner-operator takes out of the business in a year.
    What does cash to close include?
    More than the down payment. It adds closing costs and the SBA guaranty fee (unless you finance them), working capital, due diligence and transition costs, any inventory that isn't in the price, and three months of loan payments as a cushion.
    How is cash-on-cash return figured?
    Your first-year cash flow after loan payments, divided by your cash to close. It shows what your own money earns in year one.
    Where do the loan terms come from?
    The SBA 7(a) and conventional defaults are terms as of January 2026. Change the rate, term or loan share in the financing section to match your lender's quote.
    Where does the fair-value check come from?
    It compares the asking price with businesses like it that actually sold (sold-comp benchmarks v2026.11.0). It's a guide for your offer, not an appraisal.